<SEC-DOCUMENT>0001144204-15-014471.txt : 20150306
<SEC-HEADER>0001144204-15-014471.hdr.sgml : 20150306
<ACCEPTANCE-DATETIME>20150306134122
ACCESSION NUMBER:		0001144204-15-014471
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20141231
FILED AS OF DATE:		20150306
DATE AS OF CHANGE:		20150306

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERISERV FINANCIAL INC /PA/
		CENTRAL INDEX KEY:			0000707605
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251424278
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11204
		FILM NUMBER:		15680768

	BUSINESS ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
		BUSINESS PHONE:		8145335300

	MAIL ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>v400874_10k.htm
<DESCRIPTION>FORM 10-K
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<DIV  STYLE="width: 100%; display: inline-block; *display:inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV><H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">UNITED STATES<BR> SECURITIES AND EXCHANGE COMMISSION<BR> WASHINGTON, D.C. 20549 </H1>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORM 10-K </H1>


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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="padding-left: 30pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=3>(MARK ONE)</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">&#254;</font></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE<BR> SECURITIES EXCHANGE ACT OF 1934</B></TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE FISCAL YEAR ENDED DECEMBER 31, 2014</B> </P>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="456"></TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE<BR> SECURITIES EXCHANGE ACT OF 1934</B></TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE TRANSITION PERIOD FROM &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TO &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B> </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMMISSION FILE NUMBER 0-11204</B> </P>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 18pt; line-height: 20pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC. </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Exact name of registrant as specified in its charter) </P>


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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="line-height: 12pt; vertical-align: bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>25-1424278</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(State or other jurisdiction of<BR> incorporation or organization)</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(I.R.S. Employer<BR> Identification No.)</TD>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: 12pt; vertical-align: bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>MAIN &amp; FRANKLIN STREETS,<BR> P.O. BOX 430, JOHNSTOWN,<BR> PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>15907-0430</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(Address of principal executive offices)</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(Zip Code)</TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Registrant&#146;s telephone number, including area code (814) 533-5300</B> </P>


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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(b) of the Act: </B></P>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="text-align: center; font-weight: bold" ROWSPAN=1 COLSPAN=1><U>Title Of Each Class</U></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><U><B>Name Of Each Exchange On Which Registered</B></U></TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-size: 10pt">Common Stock, Par Value $0.01 Per Share</FONT></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><FONT STYLE="font-size: 10pt">The NASDAQ Stock Market LLC</FONT></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-size: 10pt">8.45% Beneficial Unsecured Securities, Series A<BR> (AmeriServ Financial Capital Trust I)</FONT></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">&nbsp;<BR><FONT STYLE="font-size: 10pt">The NASDAQ Stock Market LLC</FONT></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(g) of the Act:</B> None </P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant&#146;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. <FONT STYLE="font-family: wingdings">&#254;</font> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, non-accelerated filer or a smaller reporting company. See definition of &#147;accelerated filer, large accelerated filer and smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. (Check one): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="155"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Large accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Smaller reporting company <FONT STYLE="font-family: wingdings">&#254;</font></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked prices of such common equity, as of the business day of the registrant&#146;s most recently completed second fiscal quarter. The aggregate market value was $58,827,999 as of June 30, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate the number of shares outstanding of each of the registrant&#146;s classes of common stock, as of the latest practicable date. There were 18,853,521 shares outstanding as of January 30, 2015. </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DOCUMENTS INCORPORATED BY REFERENCE. </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Portions of the proxy statement for the annual shareholders&#146; meeting are incorporated by reference in Parts II and III. </P>

<DIV STYLE="width: 100%; display: inline-block; *display:inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV></DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="TOC"></a>FORM 10-K INDEX </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="536"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Page No.</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART I<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tBUS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Business</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tBUS">1</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRF"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Risk Factors</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRF">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tUSC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1B.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Unresolved Staff Comments</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tUSC">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPRO"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 2.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Properties</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPRO">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tLP"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 3.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Legal Proceedings</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tLP">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMSD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 4.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Mine Safety Disclosures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMSD">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">PART II</P><P STYLE="margin-top: 0pt; padding-left: 60pt"><BR></P></TD>          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMRC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 5.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Market for the Registrant&#146;s Common Equity, Related Stockholder Matters and &nbsp;&nbsp;&nbsp;&nbsp;Issuer Purchases of Equity Securities</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMRC">13</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSCFD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 6.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Selected Consolidated Financial Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSCFD">14</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMDA"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 7.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Management&#146;s Discussion and Analysis of Consolidated Financial Condition and &nbsp;&nbsp;&nbsp;&nbsp;Results of Operations</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMDA">15</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tQQDA"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 7A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Quantitative and Qualitative Disclosures about Market Risk</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tQQDA">35</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tFSSD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 8.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Financial Statements and Supplementary Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tFSSD">36</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCDA"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Changes in and Disagreements With Accountants On Accounting and Financial &nbsp;&nbsp;&nbsp;&nbsp;Disclosure</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCDA">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCP"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Controls and Procedures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCP">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tOIN"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9B.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Other Information</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tOIN">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">PART III</P><P STYLE="margin-top: 0pt; padding-left: 60pt"><BR></P></TD>          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tDEO"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 10.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Directors, Executive Officers, and Corporate Governance</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tDEO">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 11.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Executive Compensation</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEC">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSOC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 12.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Security Ownership of Certain Beneficial Owners and Management and Related &nbsp;&nbsp;&nbsp;&nbsp;Stockholder Matters</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSOC">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCRRT"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 13.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Certain Relationships and Related Transactions, and Director Independence</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCRRT">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPAF"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 14.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Principal Accountant Fees and Services</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPAF">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART IV<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEFSS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 15.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Exhibits, Financial Statement Schedules</P></a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEFSS">93</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSIG">Signatures</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSIG">95</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">
i
<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART I </H1>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tBUS"></a>ITEM 1. BUSINESS </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">GENERAL </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. (the Company) is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company upon acquiring all of the outstanding shares of AmeriServ Financial Bank (the Bank) in January 1983. The Company&#146;s other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company (the Trust Company), formed in October 1992, and AmeriServ Life Insurance Company (AmeriServ Life), formed in October 1987. When used in this report, &#147;the Company&#148; may refer to AmeriServ Financial, Inc. individually or AmeriServ Financial, Inc. and its
direct and indirect subsidiaries. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s principal activities consist of owning and operating its three wholly owned subsidiary entities. At December 31, 2014, the Company had, on a consolidated basis, total assets, deposits, and shareholders&#146; equity of $1.089 billion, $870 million, and $114 million, respectively. The Company and its subsidiaries derive substantially all of their income from banking and bank-related services. The Company functions primarily as a coordinating and servicing unit for its subsidiary entities in general management, accounting and taxes, loan review, auditing, investment accounting, marketing and risk management.
</P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a bank holding company, the Company is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking and Securities (the PDB). The Company is also under the jurisdiction of the Securities and Exchange Commission (the SEC) for matters relating to registered offerings and sales of its securities under the Securities Act of 1933, as amended, and the disclosure and regulatory requirements of the Securities Exchange Act of 1934, as amended. The Company&#146;s common stock is listed on the NASDAQ Stock Market under the trading symbol &#147;ASRV,&#148; and the
Company is subject to the NASDAQ rules applicable to listed companies. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANKING SUBSIDIARY </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a state bank chartered under the Pennsylvania Banking Code of 1965, as amended (the Banking Code.) Through 17 locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, the Bank conducts a general banking business. It is a full-service bank offering (i) retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, money orders, and traveler&#146;s checks; and (ii) lending, depository and related financial services to commercial, industrial,
financial, and governmental customers, such as commercial real estate mortgage loans (CRE), short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services. The Bank also operates 19 automated bank teller machines (ATMs) through its 24-hour banking network that is linked with NYCE, a regional ATM network, and CIRRUS, a national ATM network. West Chester Capital Advisors (WCCA), a SEC registered investment advisor, is also a subsidiary of the Bank. The Company also operates loan production offices (LPOs) in Monroeville and Altoona in Pennsylvania and Hagerstown in Maryland. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe that the Bank&#146;s deposit base is such that loss of one depositor or a related group of depositors would not have a materially adverse effect on its business. The Bank&#146;s business is not seasonal, nor does it have any risks attendant to foreign sources. A significant majority of the Bank&#146;s customer base is located within a 150 mile radius of Johnstown, Pennsylvania, the Bank&#146;s headquarters. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the PDB. Various federal and state laws and regulations govern many aspects of its banking operations. The following is a summary of key data (dollars in thousands) and ratios of the Bank at December 31, 2014: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="461"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Headquarters</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Johnstown, PA</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,061,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Investment Securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>132,780</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Loans and Loans Held for Sale (net of unearned income)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>870,081</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Net Income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,799</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset Leverage Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.37</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Full-time Equivalent Employees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>245</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RISK MANAGEMENT OVERVIEW: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, which includes credit, interest rate and market, liquidity, operational, legal/compliance, strategic/reputational and security risk. The Company controls and monitors these risks with policies, procedures, and various levels of oversight from the Company&#146;s Board of Directors (the Board) and management. The Company has both a Management Enterprise Risk Committee and a Board Enterprise Risk Committee to help manage and monitor the
Company&#146;s risk position. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets and liabilities. The Company uses its asset liability management policy to control and manage interest rate risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as the obligations to depositors, debtholders and the funding of operating costs. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms resulting in an economic loss to the organization. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the allowance for loan losses (the ALL) to control and manage credit risk. The Company&#146;s investment policy and hedging policy limit the amount of credit risk that
may be assumed in the investment portfolio and through hedging activities. The following summarizes and describes the Company&#146;s various loan categories and the underwriting standards applied to each: </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes credit extensions to commercial and industrial borrowers. Business assets, including accounts receivable, inventory and/or equipment, typically secure these credits. In appropriate instances, extensions of credit in this category are subject to collateral advance formulas. Balance sheet strength and profitability are considered when analyzing these credits, with special attention given to historical, current and prospective sources of cash flow, and the ability of the customer to sustain cash flow at acceptable levels. The Bank&#146;s policy permits flexibility in determining acceptable debt service
coverage ratios, with a minimum level of 1.1 to 1x desired. Personal guarantees are frequently required; however, as the financial strength of the borrower increases, the Bank&#146;s ability to obtain personal guarantees decreases. In addition to economic risk, this category is impacted by the strength of the borrower&#146;s management, industry risk and portfolio concentration risk each of which are also monitored and considered during the underwriting process. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans Secured by Real Estate </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes various types of loans, including acquisition and construction of investment property, owner-occupied property and operating property. Maximum term, minimum cash flow coverage, leasing requirements, maximum amortization and maximum loan to value ratios are controlled by the Bank&#146;s credit policy and follow industry guidelines and norms, and regulatory limitations. Personal guarantees are normally required during the construction phase on construction credits and are frequently obtained on mid to smaller CRE loans. In addition to economic risk, this category is subject to geographic and portfolio
concentration risk, each of which are monitored and considered in underwriting. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Residential Real Estate&nbsp;&#151;&nbsp;Mortgages </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes mortgages that are secured by residential property. Underwriting of loans within this category is pursuant to Freddie Mac/Fannie Mae underwriting guidelines, with the exception of Community Reinvestment Act (CRA) loans, which have more liberal standards. The major risk in this category is that a significant downward economic trend would increase unemployment and cause payment default. The Bank does not engage and has never engaged, in subprime residential mortgage lending. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consumer Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes consumer installment loans and revolving credit plans. Underwriting is pursuant to industry norms and guidelines. The major risk in this category is a significant economic downturn. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment securities portfolio of the Company and its subsidiaries is managed primarily to provide ample liquidity to fund, for example, loan growth and secondarily for earnings in a manner that is consistent with proper bank asset/liability management and current banking practices. The objectives of portfolio management include consideration of proper liquidity levels, interest rate and market valuation sensitivity, and profitability. The investment portfolio of the Company and its subsidiaries are proactively managed in accordance with federal and state laws and regulations and in accordance with generally accepted
accounting principles (GAAP). </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment portfolio is primarily made up of AAA rated agency mortgage-backed securities and short maturity agency securities. Beginning in 2012, the Company began to add high quality corporate securities and select taxable municipal securities to the portfolio. Management strives to maintain a relatively short duration in the portfolio. All holdings must meet standards documented in the AmeriServ Financial Investment Policy. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities classified as held to maturity are carried at amortized cost while investment securities classified as available for sale are reported at fair market value. The following table sets forth the cost basis and fair value of the Company&#146;s investment portfolio as of the periods indicated: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale at: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,848</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,497</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>102,888</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>121,480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>131,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>124,316</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>140,398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>145,265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity at: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,364</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,481</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>20,213</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>17,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DEPOSITS AND OTHER SOURCES OF FUNDS </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank has a stable core deposit base made up of traditional commercial bank products that exhibits little fluctuation, other than jumbo certificates of deposits (CDs), which demonstrate some seasonality. The Company also utilizes certain Trust Company specialty deposits related to the ERECT Fund as a funding source which serve as an alternative to wholesale borrowings and can exhibit some limited degree of volatility. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the average balance of the Company&#146;s deposits and average rates paid thereon for the past three calendar years: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>155,365</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>158,169</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>147,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>97,641</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.20</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>89,554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87,819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>228,150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>300,915</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>312,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>327,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>871,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>0.68</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>846,590</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>833,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="611" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="251"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="67"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139,158</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>78,322</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>412,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>383,934</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>370,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>258,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>235,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>203,323</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>827,634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>783,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>721,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>664,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>671,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>581</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>452</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>827,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>783,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>721,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>670,776</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">For each of the periods presented beginning with December 31, 2014, real estate-construction loans constituted 3.5%, 3.0%, 2.0%, 1.9% and 3.9% of the Company&#146;s total loans, net of unearned income, respectively. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4</P>

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<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Secondary Market Activities </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Residential Lending department of the Company continues to originate one-to-four family mortgage loans for customers, the majority of which are sold to outside investors in the secondary market and some of which are retained for the Bank&#146;s portfolio. Mortgages sold on the secondary market are sold to investors on a &#147;flow&#148; basis; mortgages are priced and delivered on a &#147;best efforts&#148; pricing basis, with servicing released to the investor. Fannie Mae/Freddie Mac guidelines are used in underwriting all mortgages with the exception of a limited amount of CRA loans. Mortgages with longer terms, such as
20-year, 30-year, FHA, and VA loans, are usually sold. The remaining production of the department includes construction, adjustable rate mortgages, quality non-salable loans, and bi-weekly mortgages. These loans are usually kept in the Bank&#146;s portfolios. New portfolio production is predominately adjustable rate mortgages. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing Assets </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information concerning non-performing assets: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,679</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>778</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,632</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,195</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>344</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>436</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>128</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>673</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in<BR> non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>182</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned (OREO) is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. The Company had no loans past due 90 days or more, still accruing, for the periods presented. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with original terms</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>178</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>178</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>628</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL NON-BANKING SUBSIDIARIES </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV TRUST AND FINANCIAL SERVICES COMPANY </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Trust and Financial Services Company is a trust company organized under Pennsylvania law in October 1992. Its staff of approximately 44 professionals administers assets valued at approximately $1.8 billion that are not recognized on the Company&#146;s balance sheet at December 31, 2014. The Trust Company focuses on wealth management. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined
contribution employee benefit plans, and individual retirement accounts are included in this segment. This segment also includes financial services which include the sale of mutual funds, annuities, and insurance products. The wealth management business also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The BUILD fund is in the process of liquidation. At December 31, 2014, the Trust Company had total assets of $4.6 million and total stockholder&#146;s equity of $4.2 million. In 2014, the Trust Company contributed earnings to the corporation as its gross revenue amounted to $7.9 million and the net income contribution was $1.2 million. The Trust Company is subject to regulation and supervision by the Federal Reserve Bank of Philadelphia and the PDB. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV LIFE </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Life is a captive insurance company organized under the laws of the State of Arizona. AmeriServ Life engages in underwriting as reinsurer of credit life and disability insurance within the Company&#146;s market area. Operations of AmeriServ Life are conducted in each office of the Company&#146;s banking subsidiary. AmeriServ Life is subject to supervision and regulation by the Arizona Department of Insurance, the Pennsylvania Insurance Department, and the Board of Governors of the Federal Reserve System (the Federal Reserve). At December 31, 2014, AmeriServ Life had total assets of $400,000. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MONETARY POLICIES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial banks are affected by policies of various regulatory authorities including the Federal Reserve. An important function of the Federal Reserve is to regulate the national supply of bank credit. Among the instruments of monetary policy used by the Federal Reserve are: open market operations in U.S. Government securities, changes in the federal funds rate and discount rate on member bank borrowings, and changes in reserve requirements on bank deposits. These means are used in varying combinations to influence overall growth of bank loans, investments, and deposits, and may also affect interest rate charges on loans or
interest paid for deposits. The monetary policies of the Federal Reserve have had, and will continue to have, a significant effect on the operating results of commercial banks in the past and are expected to continue to do so in the future. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMPETITION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our subsidiaries face strong competition from other commercial banks, savings banks, credit unions, savings and loan associations, and other financial or investment service institutions for business in the communities they serve. Several of these institutions are affiliated with major banking and financial institutions which are substantially larger and have greater financial resources than the Bank and the Trust Company. As the financial services industry continues to consolidate, the scope of potential competition affecting our subsidiaries will also increase. Brokerage houses, consumer finance companies, insurance
companies, and pension trusts are important competitors for various types of financial services. In addition, personal and corporate trust investment counseling services are offered by insurance companies, other firms, and individuals. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MARKET AREA &amp; ECONOMY </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In January 2015, the Federal Open Market Committee (the Committee) characterized economic activity as &#147;expanding at a solid pace.&#148; There has been continued improvement in labor market conditions as the Federal Reserve noted strong job gains and a lower unemployment rate. Underutilization of labor resources continues to diminish. Household spending is rising moderately as recent declines in energy prices have boosted household purchasing power. Business fixed investment is advancing, while the recovery in the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">housing sector remains slow. Inflation has declined further below the Committee&#146;s longer-run objective, largely reflecting declines in energy prices. Market-based measures of inflation compensation have declined substantially in recent months; survey-based measures of longer-term inflation expectations have remained stable. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consistent with its statutory mandate, the Committee seeks to foster maximum employment and price stability. The Committee expects that, with appropriate policy accommodation, economic activity will expand at a moderate pace, with labor market indicators continuing to move toward levels the Committee judges consistent with its dual mandate. The Committee continues to see the risks to the outlook for economic activity and the labor market as nearly balanced. Inflation is anticipated to decline further in the near term, but the Committee expects inflation to rise gradually toward 2 percent over the medium term as the labor
market improves further and the transitory effects of lower energy prices and other factors dissipate. The Committee continues to monitor inflation developments closely. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To support continued progress toward maximum employment and price stability, the Committee reaffirmed its view that the current 0 to &frac14; percent target range for the federal funds rate remains appropriate. In determining how long to maintain this target range, the Committee will assess progress&nbsp;&#151;&nbsp;both realized and expected&nbsp;&#151;&nbsp;toward its objectives of maximum employment and two percent inflation. This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on
financial and international developments. Based on its current assessment, the Committee judges that it can be patient in beginning to normalize the stance of monetary policy. However, if incoming information indicates faster progress toward the Committee&#146;s employment and inflation objectives than the Committee now expects, then increases in the target range for the federal funds rate are likely to occur sooner than currently anticipated. Conversely, if progress proves slower than expected, then increases in the target range are likely to occur later than currently anticipated. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Committee is maintaining its existing policy of reinvesting principal payments from its holdings of agency debt and agency mortgage-backed securities in agency mortgage-backed securities and of rolling over maturing Treasury securities at auction. This policy, by keeping the Committee&#146;s holdings of longer-term securities at sizable levels, should help maintain accommodative financial conditions. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The outlook for 2015 is that the economy should grow with GDP predicted to be slightly above 3.0%. Consumers will drive economic growth with the availability of more jobs and low energy prices, which puts more money into their pockets for spending on other goods and services. According to Kiplinger&#146;s, spending in the fourth quarter of 2014 grew at the fastest pace in more than eight years and, with the unemployment rate dropping, consumer confidence is at a seven year high. Increased consumer spending should result in businesses investing in new production capacity. Housing is in a recovery mode with builders expected to
increase the pace of new home construction in 2015. Conversely, the strong dollar and sluggish global economic expansion will hinder sales abroad while some U.S. manufacturers will also lose sales as U.S. consumers will opt for cheaper imported products, especially autos and other durable goods. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The job market should continue to be strong in 2015 and keep incomes and consumption fueling healthy economic growth. The unemployment rate is projected to decline further in 2015 to about 5.3%. A strong job market is likely to entice more people back into the labor force which will slow the pace of the falling unemployment rate. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The expectation for business spending is to match the 5% gain obtained in 2014. The dollar&#146;s soaring value and the steep decline in oil prices makes it hard to sell capital goods overseas because they cost more for foreigners to buy. At the same time, demand for energy related equipment at home is declining. Business sentiment, however, is strong, particularly among smaller companies. The housing market is expected to experience more expansion in 2015, with income and employment rising, demand for housing should increase. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The economy in Cambria and Somerset counties, Pennsylvania at the end of 2014 produced seasonally adjusted unemployment rates of 5.9% and 5.8%, respectively, as compared to national and state rates of 5.6% and 4.8%. Johnstown, Pennsylvania, where the Company is headquartered, continues to have a cost of living that is lower than the national average. On an annual average basis, the 2014 job level for the Johnstown Metropolitan Statistical Area of 58,100 increased by a very modest 100 over the previous year. Annual growth </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">in the overall job market is well short of anticipated improvement. This documents the fact that the local economy continues to face a long hard climb back from the recession. The jobless rate in Johnstown MSA averaged 5.2% in 2014. Unemployment in the Johnstown labor market area has recently experienced substantial declines in comparison to previous periods. However this is a function of the declining number of labor force participants who have dropped out of the labor force. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Economic conditions are stronger in the State College market and have demonstrated the same improvement experienced in the national economy. The community is a college town, dominated economically and demographically by the presence of the University Park campus of the Pennsylvania State University. The unemployment rate for State College MSA averaged 4.2% in 2014, which represents a 1.4% improvement over 2013 and remains the lowest of all regions in the Commonwealth. Seasonally adjusted average total nonfarm jobs for the MSA increased by 800 since 2013. A large percentage of the population in State College falls into the 18
to 34 year old age group, while potential customers in the Cambria/Somerset markets tend to be over 50 years of age. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company also has loan production offices in Altoona in Blair county, Pennsylvania, and Hagerstown in Washington county, Maryland. Hagerstown and Washington county, Maryland offers a rare combination of business advantages providing a major crossroads location that is convenient to the entire East Coast at the intersection of I-81 and I-70. It has a workforce of over 400,000 with strengths in manufacturing and technology. It also offers an affordable cost of doing business and living within an hour of the Washington, D.C./Baltimore regions. There are also plenty of facilities and land slated for industrial/commercial
development. Hagerstown has become a choice location for manufacturers, financial services, and distribution companies. The Hagerstown, MD-Martinsburg, WV MSA unemployment rate improved from a 7.1% average in 2013 to a 6.5% average in 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona is the business center of Blair County, Pennsylvania with a strong retail, government and manufacturing base. The top field of employment in Altoona and the metro area is healthcare. Its location along I-99 draws from a large trade area over a wide geographic area that extends to State College and Johnstown. It serves as the headquarters for Sheetz Corporation which ranks on Forbes list of the top privately owned companies. In addition to being located adjacent to I-99 and a major highway system, Altoona also has easy access to rail and air transportation. The unemployment rate in the Altoona MSA decreased from a 6.7%
average in 2013 to a 5.2% average in 2014. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EMPLOYEES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company employed 336 people as of December 31, 2014 in full- and part-time positions. Approximately 164 non-supervisory employees of the Company are represented by the United Steelworkers, AFL-CIO-CLC, Local Union 2635-06. The Company is under a four year labor contract with the United Steelworkers Local that will expire on October 15, 2017. The contract calls for annual wage increases of 3.0%. Additionally, effective January 1, 2014, the Company implemented a soft freeze of its defined benefit pension plan for union employees. A soft freeze means that all existing union employees as of December 31, 2013 currently
participating will remain in the defined benefit pension plan but any new union employees hired after January 1, 2014 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401(k) program. The Company has not experienced a work stoppage since 1979. The Company is one of an estimated ten union-represented banks nationwide. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INDUSTRY REGULATION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The banking and trust industry, and the operation of bank holding companies, is highly regulated by federal and state law, and by numerous regulations adopted by the federal banking agencies and state banking agencies. Bank regulation affects all aspects of conducting business as a bank, including such major items as minimum capital requirements, limits on types and amounts of investments, loans and other assets, as well as borrowings and other liabilities, and numerous restrictions or requirements on the loan terms and other products made available to customers, particularly consumers. Federal deposit insurance from the
Federal Deposit Insurance Corporation (the FDIC) is required for all banks in the United States, and maintaining FDIC insurance requires observation of the various rules of the FDIC, as well as payment of deposit premiums. New branches, or acquisitions or mergers, are required to be pre-approved by the responsible agency, which in the case of the Company and the Bank is the Federal Reserve and the PDB. The Bank </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">provides detailed financial information to its regulators, including a quarterly call report that is filed pursuant to detailed prescribed instructions to ensure that all U.S. banks report the same way. The U.S. banking laws and regulations are frequently updated and amended, especially in response to crises in the financial industry, such as the global financial crisis of 2008, which resulted in the Dodd-Frank Wall Street Reform and Consumer Protection Act enacted in 2010 (the Dodd-Frank Act), a statute affecting many facets of the financial industry. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">While it is impractical to discuss all laws and regulations that regularly affect the business of the Company and its subsidiaries, set forth below is an overview of some of the major provisions and statutes that apply. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CAPITAL REQUIREMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the most significant regulatory requirements for banking institutions is minimal capital, imposed as a ratio of capital to assets. The Federal Deposit Insurance Act, as amended (the FDIA), identifies five capital categories for insured depository institutions: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. It requires U.S. federal bank regulatory agencies to implement systems for &#147;prompt corrective action&#148; for insured depository institutions that do not meet minimum capital requirements based on these categories. The FDICIA imposes
progressively more restrictive constraints on operations, management and capital distributions, depending on the category in which an institution is classified. Unless a bank is well capitalized, it is subject to restrictions on its ability to utilize brokered deposits and on other aspects of its operations. Generally, a bank is prohibited from paying any dividend or making any capital distribution or paying any management fee to its holding company if the bank would thereafter be undercapitalized. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2014, the Company believes that its bank subsidiary was well capitalized, based on the prompt corrective action guidelines described above. As discussed below, however, the capital requirements for all banks are being increased under the Dodd-Frank Act. Specifically, on July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act. The July 2013 final rules generally implement
higher minimum capital requirements, add a new common equity tier 1 capital requirement, and establish criteria that instruments must meet to be considered common equity tier 1 capital, additional tier 1 capital or tier 2 capital. The new minimum capital to risk-adjusted assets requirements are a common equity tier 1 capital ratio of 4.5% (6.5% to be considered &#147;well capitalized&#148;) and a tier 1 capital ratio of 6.0%, increased from 4.0% (and increased from 6.0% to 8.0% to be considered &#147;well capitalized&#148;); the total capital ratio remains at 8.0% under the new rules (10.0% to be considered &#147;well capitalized&#148;). Under the new rules, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers), a banking organization must hold a capital conservation buffer comprised of common equity tier 1 capital above its minimum risk-based capital requirements in an amount greater than
2.5% of total risk-weighted assets. The new minimum capital requirements are effective on January 1, 2015. The capital contribution buffer requirements phase in over a three-year period beginning January 1, 2016. The Company is continuing to review the impact of these new rules and currently expects that its capital position will be more than adequate to meet the revised regulatory capital requirements. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DIVIDEND RESTRICTIONS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The primary source of cash to pay dividends, if any, to the Company&#146;s shareholders and to meet the Company&#146;s obligations is dividends paid to the Company by the Bank and the Trust Company. Dividend payments by the Bank to the Company are subject to the laws of the Commonwealth of Pennsylvania, the Banking Code, the FDIA and the regulation of the PDB and of the Federal Reserve. Under the Banking Act and the FDIA, a bank may not pay any dividends if, after paying such dividends, it would be undercapitalized under applicable capital requirements. In addition to these explicit limitations, the federal regulatory agencies
are authorized to prohibit a banking subsidiary or bank holding company from engaging in unsafe or unsound banking practices. Depending upon the circumstances, the agencies could take the position that paying a dividend would constitute an unsafe or unsound banking practice. </P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is the policy of the Federal Reserve that bank holding companies should pay cash dividends on common stock only out of income available from the immediately preceding year and only if prospective earnings retention is consistent with the organization&#146;s expected future needs and financial condition. The policy provides that bank holding companies should not maintain a level of cash dividend that undermines the bank holding company&#146;s ability to serve as a source of strength to its banking subsidiary. A bank holding company may not pay dividends when it is insolvent. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The terms of our Company&#146;s Senior Non-Cumulative Perpetual Preferred Stock (the SBLF Preferred Stock) impose limits on the ability of the Company to pay dividends and repurchase shares of common stock. Under the terms of the SBLF Preferred Stock, no repurchases may be effected, and no dividends may be declared or paid on preferred shares ranking pari passu with the SBLF Preferred Stock, junior preferred shares, or other junior securities (including the common stock) during the current quarter and for the next three quarters following the failure to declare and pay dividends on the SBLF Preferred Stock, except that, in any
such quarter in which the dividend is paid, dividend payments on shares ranking pari passu may be paid to the extent necessary to avoid any resulting material covenant breach. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the terms of the SBLF Preferred Stock, the Company may only declare and pay a dividend on the common stock or other stock junior to the SBLF Preferred Stock, or repurchase shares of any such class or series of stock, if, after payment of such dividend, the dollar amount of the Company&#146;s Tier 1 Capital would be at least 90% of the Tier 1 Capital as of June 30, 2011, excluding any subsequent net charge-offs and any redemption of shares of the SBLF Preferred Stock (the &#147;Tier 1 Dividend Threshold&#148;). Beginning on the first day of the eleventh dividend period ending on June 20, 2014, the amount of the Tier 1
Dividend Threshold will be reduced by 10% for each one percent increase in qualified small business lending from the baseline level through the ninth dividend period ending on September 30, 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company resumed paying quarterly cash dividends to common shareholders in 2013. For more information regarding quarterly cash dividends, see Part II, Item 5. Market for the Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities below. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SARBANES-OXLEY ACT OF 2002 </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Sarbanes-Oxley Act of 2002 is not a banking law, but contains important requirements for public companies in the area of financial disclosure and corporate governance. In accordance with Section 302(a) of the Sarbanes-Oxley Act, written certifications by the Company&#146;s principal executive officer and principal financial officer are required. These certifications attest, among other things, that the Company&#146;s quarterly and annual reports filed with the SEC do not contain any untrue statement of a material fact. In response to the Sarbanes-Oxley Act of 2002, the Company adopted a series of procedures to further
strengthen its corporate governance practices. The Company also requires signed certifications from managers who are responsible for internal controls throughout the Company as to the integrity of the information they prepare. These procedures supplement the Company&#146;s Code of Conduct Policy and other procedures that were previously in place. In 2005, the Company implemented and has since maintained a program designed to comply with Section 404 of the Sarbanes-Oxley Act. This program included the identification of key processes and accounts, documentation of the design of control effectiveness over process and entity level controls, and testing of the effectiveness of key controls. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRIVACY PROVISIONS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal banking regulators adopted rules that limit the ability of banks and other financial institutions to disclose non-public information about customers to non-affiliated third parties. These limitations require disclosure of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to non-affiliated third parties. The privacy provisions affect how consumer information is transmitted through diversified financial companies and conveyed to outside vendors. The Company believes it is in compliance with the various provisions. </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">USA PATRIOT ACT </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A major focus of governmental policy on financial institutions in recent years has been aimed at combating money laundering and terrorist financing. The USA Patriot Act substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties and expanding the extra-territorial jurisdiction of the United States. The United States Treasury Department has issued and, in some cases, proposed a number of regulations that apply various requirements of the USA Patriot Act to financial institutions. These
regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with all of the relevant laws or regulations, could have serious legal and reputational consequences for the Company. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 21, 2010, the President signed into law the Dodd-Frank Act. This law significantly changed the previous bank regulatory structure and affects the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare various studies and reports for Congress. The federal agencies are given significant discretion in drafting such rules and regulations. The due date for many of such regulations is still in the future; consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for years. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Many provisions of the Dodd-Frank Act are already in effect. For example, effective July 21, 2011, a provision of the Dodd-Frank Act eliminates the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts. Depending on competitive responses, this significant change to prior law could have an adverse impact on the Company&#146;s interest expense. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also broadened the base for FDIC insurance assessments. Assessments will now be based on the average consolidated total assets less tangible equity capital of a financial institution. The Dodd-Frank Act also permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Bank and thrift holding companies with assets of less than $15 billion as of December 31, 2009, such as the Company, will be permitted to include trust preferred securities that were issued before May 19, 2010, such as the Company&#146;s 8.45% Trust Preferred Securities, as Tier 1 capital; however, trust preferred securities issued by a bank or thrift holding company (other than those with assets of less than $500 million) after May 19, 2010, will no longer count as Tier 1 capital. Such trust preferred securities still will be entitled to be treated as Tier 2 capital. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also required publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called &#147;golden parachute&#148; payments. The legislation also directed the Federal Reserve to promulgate rules prohibiting excessive compensation paid to bank holding company executives, regardless of whether the company is publicly traded. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act created the Consumer Financial Protection Bureau (the CFPB), a new independent regulatory agency with broad powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit &#147;unfair, deceptive or abusive&#148; acts and practices. The CFPB has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Banks and savings institutions with $10 billion or less in assets such as the Company
will continue to be examined for compliance with the consumer laws by their primary bank regulators. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable for national banks and federal savings associations and gives state attorney generals the ability to enforce federal consumer protection laws. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is difficult to predict at this time what the total impact the Dodd-Frank Act will have on community banks as it continues to be subject to intensive rulemaking and public comment, which has not yet been completed with respect to the application of certain key aspects of the Dodd-Frank Act. However, it is expected that, at a minimum, it will continue to increase our capital requirements, our operating and compliance costs, and could increase our interest expense. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AVAILABLE INFORMATION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We file annual, quarterly and current reports, proxy statements and other information with the SEC. These filings are available to the public on the Internet at the SEC&#146;s website at<I> http://www.sec.gov</I>. You may also read and copy any document we file with the SEC at the SEC&#146;s public reference room, located at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information on the public reference room. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our Internet address is<I> http://www.ameriserv.com</I>. We make available free of charge on <I>http://www. ameriserv.com</I> our annual, quarterly and current reports, and amendments to those reports, as soon as reasonably practical after we electronically file such material with, or furnish it to, the SEC. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRF"></a>ITEM 1A. RISK FACTORS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tUSC"></a>ITEM 1B. UNRESOLVED STAFF COMMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has no unresolved staff comments from the SEC for the reporting periods presented. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tPRO"></a>ITEM 2. PROPERTIES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The principal offices of the Company and the Bank occupy the five-story AmeriServ Financial building at the corner of Main and Franklin Streets in Johnstown plus twelve floors of the building adjacent thereto. The Company occupies the main office and its subsidiary entities have 13 other locations which are owned. Eight additional locations are leased with terms expiring from January 1, 2015 to August 31, 2030. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tLP"></a>ITEM 3. LEGAL PROCEEDINGS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to a number of asserted and unasserted potential legal claims encountered in the normal course of business. In the opinion of both management and legal counsel, there is no present basis to conclude that the resolution of these claims will have a material adverse effect on the Company&#146;s consolidated financial position, results of operations or cash flows. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMSD"></a>ITEM 4. MINE SAFETY DISCLOSURE </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART II </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMRC"></a>ITEM 5. MARKET FOR THE REGISTRANT&#146;S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMMON STOCK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of January 30, 2015, the Company had 3,545 shareholders of record for its common stock. The Company&#146;s common stock is traded on the NASDAQ Global Market System under the symbol &#147;ASRV.&#148; The following table sets forth the actual high and low closing prices and the cash dividends declared per share for the periods indicated: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>PRICES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>CASH<BR> DIVIDENDS<BR> DECLARED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HIGH</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>LOW</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2014:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.91</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.40</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.31</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.02</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2013<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.99</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The declaration of cash dividends on the Company's common stock is at the discretion of the Board, and any decision to declare a dividend is based on a number of factors, including, but not limited to, earnings, prospects, financial condition, regulatory capital levels, applicable covenants under any credit agreements and other contractual restrictions, Pennsylvania law, federal and Pennsylvania bank regulatory law, and other factors deemed relevant. Additionally, the Company&#146;s previously announced common stock repurchase programs have been completed. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSCFD"></a>ITEM 6. SELECTED CONSOLIDATED FINANCIAL DATA </H5>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SELECTED FIVE-YEAR CONSOLIDATED FINANCIAL DATA </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT OR FOR THE YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SUMMARY OF INCOME STATEMENT DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,441</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,397</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,961</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,858</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,092</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,323</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>43,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>42,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,621</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Book value at period end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.97</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>BALANCE SHEET AND OTHER DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,089,263</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,056,036</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>948,974</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>786,748</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>731,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>869,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>854,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>835,734</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>816,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>801,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>93,965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79,640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,745</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>114,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Full-time equivalent employees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>314</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>347</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SELECTED FINANCIAL RATIOS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average total equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income, as a percent of deposits, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>95.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of average total equity to average assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.92</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.86</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock cash dividends as a percent of net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26.73</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses as a percentage of loans, net of unearned income, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of loans and other real estate owned, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs as a percentage of average loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of earnings to fixed charges and preferred dividends:<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Excluding interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.30X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.13X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.80X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.11X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.49X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Including interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative one year interest rate sensitivity gap ratio, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">The ratio of earnings to fixed charges and preferred dividends is computed by dividing the sum of income before taxes, fixed charges, and preferred dividends by the sum of fixed charges and preferred dividends. Fixed charges represent interest expense and are shown as both excluding and including interest on deposits. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14</P>

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<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMDA"></a>ITEM 7. MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF CONSOLIDATED FINANCIAL CONDITION AND RESULTS OF OPERATIONS (MD&amp;A) </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following discussion and analysis of financial condition and results of operations of the Company should be read in conjunction with the consolidated financial statements of the Company including the related notes thereto, included elsewhere herein. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RESULTS OF OPERATIONS FOR THE YEARS ENDED DECEMBER 31, 2014, 2013, AND 2012 </H5>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2014 SUMMARY OVERVIEW: </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On January 20, 2015, the Company reported its financial performance for the fourth quarter of 2014 and consequently for the full year of 2014. Net income available to shareholders was $749,000 or $0.04 per share for the fourth quarter of 2014. This was $0.05 per share less than the fourth quarter of 2013, but $0.02 per share more than the third quarter of 2014. Net income for the full year was $3,023,000, or $0.15 per share, which represents a decline from $0.26 per share in 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have previously emphasized the Company&#146;s determination to become a significant competitor in every market where the company has a presence. Loans outstanding increased in 2014 by $45 million to a new company year-end record high of $832 million. Meanwhile deposits also closed 2014 at the highest year-end total on record of $870 million. However, it is a fact that such progress has been achieved at the price of increased expense levels. The Board and management determined that 2014 would be the year to take action on this increase in expenses. These actions have included:</P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">A soft freeze on the defined benefit pension plan and a gradual change to a defined contribution plan, such as a qualified 401(k) plan.</TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">A prominent bank-consulting firm was retained to conduct a company-wide profitability improvement program. This program has already provided more than $1 million in annual expense reduction.</TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Then, in the fourth quarter the Company offered a voluntary early retirement program to a number of our most loyal, long-term staff. The expenses of this program are part of the 2014 financials but the significant reductions will be evident in 2015 and beyond. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The goal of these actions is to permit the Company to continue growing the business but to avoid expense increases so as to increase earnings per share and shareholder return. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Finally in 2014, the Company put behind us a costly litigation process that was previously disclosed in our regulatory filings earlier this year. This litigation concerned our registered investment advisory subsidiary, WCCA, and resulted in a $669,000 impairment charge related to Goodwill on the balance sheet. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe the sum of these can result in 2014 being a foundation year for the next decade. The Company has strong capital, a substantial and growing tangible book value, along with the previously mentioned success in the market place. It is also gratifying to tell you that the Trust Company has now completed four consecutive years of double digit net income increases. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We should mention that early 2015 did bring a new challenge; Glenn L. Wilson voluntarily resigned on January 9, 2015 to join a small bank close to his long-term home in Maryland. Glenn served as President and Chief Executive Officer since November 1, 2009. Jeffrey A. Stopko, our former Chief Financial Officer, is now leading an Interim Management Team. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is enough to say that we expect another bumpy year in the U.S. and regional economies. Just when the Marcellus Shale began to promise job gains for Pennsylvania, the global price of oil has experienced a sudden and dramatic decline. Our answer to these larger issues of the national and global economy remains the same. The Company will maintain strong capital, deep liquidity and a conservative balance sheet. As we enter the seventh year of Washington&#146;s Easy Money program, the Federal Reserve speaks of new directions. Therefore this would not seem to be the time for anything but the most basic banking and wealth
management programs and careful watching of the markets. As a result of this situation, we will focus our energies on successfully executing our business plans in order to improve earnings per share and the resulting return to the common shareholder in 2015. </P>

</DIV>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>PERFORMANCE OVERVIEW...</B> The following table summarizes some of the Company&#146;s key profitability performance indicators for each of the past three years. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $2.8 million or $0.15 per diluted common share for 2014. This represented a 42.3% decrease in earnings per share from 2013 where net income available to common shareholders totaled $5.0 million or $0.26 per diluted share. Factors contributing to this reduction in earnings were a $1.5 million unfavorable swing in the provision for loan losses, a $1.4 million reduction in non-interest revenue, and a $1.1 million increase in non-interest expense. The non-interest expense increase included a $669,000 goodwill impairment charge and a $376,000 fourth quarter pension
charge related to 25 employees who elected to participate in an early retirement incentive program. These negative items were partially offset by a $1.2 million increase in net interest income due to continued growth of our loan portfolio while maintaining excellent asset quality. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $5.0 million or $0.26 per diluted common share for 2013. This represented a 23.8% increase in earnings per share from 2012 where net income available to common shareholders totalled $4.2 million or $0.21 per diluted share. Growth in total revenue, improved asset quality, and effective capital management caused the increase in earnings per share in 2013. Specifically, a $658,000 increase in net interest income resulted from continued strong growth of our loan portfolio, as total loans grew by $55 million, or 7.5%. Material loan growth occurred in loan
categories that qualify for the SBLF through the Company&#146;s loan production offices. As a result of this growth in SBLF qualified loans, the Company locked in the lowest preferred dividend rate available under the program of 1% until the first quarter of 2016. This lower rate saved the Company $619,000 in preferred stock dividend payments in 2013 and was a key factor contributing to the earnings per share growth. Additionally, the calculation of earnings per share benefitted from a 713,000 or 3.6% reduction in average shares outstanding due to the success of the Company&#146;s common stock repurchase program that was completed in the second quarter of 2013. There was also $325,000 more earnings benefit from negative loan loss provisions in 2013 due to the Company&#146;s improved asset quality. These positive items were partially offset by a $1.6 million or 3.9% increase in non-interest expense and slightly higher income tax expense. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $4.2 million or $0.21 per diluted common share for 2012. This represented a 12.5% decline in earnings per share from 2011 where net income available to common shareholders totalled $5.2 million or $0.24 per diluted share. The largest factor causing the reduction in net income available to common shareholders was the provision for loan losses. The Company recorded a negative provision of $775,000 but this was at a lesser level than the $3,575,000 negative provision for 2011. Non-interest income increased by $1.4 million or 10.1% largely due to increased revenue
from residential mortgage banking activities and the Trust Company&#146;s wealth management businesses. Continued focus on expense control helped contain the increase in non-interest expense to $604,000 or 1.5%. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NET INTEREST INCOME AND MARGIN...</B> The Company&#146;s net interest income represents the amount by which interest income on earning assets exceeds interest paid on interest bearing liabilities. Net interest income is a primary source of the Company&#146;s earnings; it is affected by interest rate fluctuations as well as changes in the amount and mix of earning assets and interest bearing liabilities. The following table summarizes the Company&#146;s net interest income performance for each of the past three years: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,441</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,397</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2014 NET INTEREST PERFORMANCE OVERVIEW...</B> The Company&#146;s net interest income for the full year 2014 increased by $1,183,000, or 3.6%, when compared to the full year 2013. The Company&#146;s net interest margin of 3.52% for the full year 2014 was four basis points lower than the net interest margin of 3.56% for the full year 2013. The Company has been able to mitigate this net interest margin pressure and to increase net interest income by both growing its earning assets and reducing its cost of funds. Specifically, the earning asset growth has occurred in the loan portfolio as total loans averaged a record $805
million for the full year 2014 which is $58 million, or 7.8%, higher than the $746 million average for the 2013 year. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts, with an emphasis on generating commercial loans and owner occupied CRE loans, which qualify as SBLF loans. Interest income in 2014 has also benefitted from reduced premium amortization on mortgage backed securities due to slower mortgage prepayment speeds. Overall, total interest income has increased by $1,098,000 in 2014. Additionally, the increase in loans caused the Company&#146;s loan to deposit ratio to average 92.3% in 2014 compared to 88.2% in 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total interest expense for the 2014 year declined by $85,000 from the full year 2013 due to the Company&#146;s proactive efforts to reduce deposit costs. Even with this reduction in deposit costs, the Company still experienced growth in deposits which reflects the loyalty of our core deposit base and ongoing efforts to cross sell new loan customers into deposit products. Specifically, total deposits averaged a record level of $872 million for the full year 2014 which is $25 million, or 3.0%, higher than the $847 million average for the full year 2013. This decreased interest expense for deposits has been partially offset by a
$190,000 increase in the interest cost for borrowings as the Company has utilized more Federal Home Loan Bank (FHLB) term advances to extend borrowings and provide protection against rising interest rates. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Overall, the Company expects that it will need to continue to grow earning assets to achieve net interest income growth in 2015 as little net interest margin improvement is expected given the ongoing challenges of the exceptionally low interest rate environment. Solid commercial loan pipelines suggest that the Company should be able to again grow the loan portfolio in 2015 although we expect pricing pressures on new commercial loans to continue to be intense. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2014 VERSUS 2013...</B> Regarding the separate components of net interest income, the Company's total interest income in 2014 increased by $1.1 million when compared to 2013. This increase was due to a $44.1 million increase in average earning assets due to an increase in average loans partially offset by a nine basis point decline in the earning asset yield from 4.27% to 4.18%. Within the earning asset base, the yield on the total loan portfolio decreased by 19 basis points from 4.71% to 4.52% as new loans typically have yields that are below the rate on the maturing instruments
that they are replacing. However, the yield on total investment securities increased by 10 basis points from 2.50% to 2.60% due primarily to a reduction in premium amortization on mortgage backed securities due to a slowdown in mortgage prepayment speeds in 2014. Investment securities interest revenue declined by $122,000 in 2014 due to an $11 million decrease in the average investment securities portfolio as the Company has utilized cash flow from securities to help fund the previously mentioned loan growth. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company's total interest expense for 2014 decreased by $85,000, or 1.3%, when compared to 2013. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by six basis points to 0.82%. Management&#146;s decision to further reduce interest rates paid on all deposit categories has not had a negative impact on deposit growth and reflects the loyalty of the bank&#146;s core deposit base. This decrease in funding costs occurred in spite of a $43.4 million increase in the volume of average interest bearing liabilities. The Company has utilized term advances from the
FHLB, with maturities ranging between three and five years, to help fund its earning asset growth and manage interest rate risk. The average balance of FHLB term advances has increased by $15 million while the average cost of these advances has increased by only 17 basis points to 1.01%. Overall, total FHLB borrowings averaged $52 million or 4.9% of total assets during 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2013 NET INTEREST PERFORMANCE OVERVIEW...</B> The Company&#146;s net interest income in 2013 increased by 658,000, or 2.0%, when compared to 2012. The Company&#146;s 2013 net interest margin of 3.56% was nine basis points lower than the net interest margin of 3.65% for 2012. The lower net interest margin demonstrates the impact of the Federal Reserve low interest rate policies which have pressured interest revenue. The Company has been able to overcome this net interest margin pressure and increase net interest income by reducing its cost of funds and growing its earning assets, particularly loans. Specifically, these
efforts resulted in total loans averaging $746 million in 2013, which was $58 million or 8.4% higher than the $689 million average for 2012. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied CRE loans which qualify as SBLF loans, particularly through its loan production offices. Overall, the increase in loans caused the Company&#146;s loan to deposit ratio to average 88.2% in 2013 compared to 82.7% in 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total interest expense for 2013 declined by $1.2 million from 2012 due to the Company&#146;s proactive efforts to reduce deposit costs. Even with this reduction in deposit costs, the Company still experienced growth in deposits which reflects the loyalty of its core deposit base and its ongoing efforts to cross sell new loan customers into deposit products. Specifically, total deposits averaged $847 million in 2013, which is $14 million or 1.6% higher than the $833 million average in 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2013 VERSUS 2012...</B> Regarding the separate components of net interest income, the Company's total interest income in 2013 decreased by $574,000 when compared to 2012. This decrease was due to a 25 basis point decline in the earning asset yield from 4.52% to 4.27%, partially offset by additional interest income from a $38.3 million increase in average earning assets due to an increase in average loans. Within the earning asset base, the yield on the total loan portfolio decreased by 35 basis points from 5.06% to 4.71%, while the yield on total investment securities dropped by 22
basis points from 2.72% to 2.50%. This earning asset yield drop reflects the fact that new investment securities and loans typically have yields that are below the rate on the maturing instruments that they are replacing. Investment securities interest revenue also declined by $865,000 in 2013 due to an $18 million decrease in the average investment securities portfolio as the Company has utilized cash flow from securities to help fund the previously mentioned loan growth. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company's total interest expense for 2013 decreased by $1.2 million, or 16.0%, when compared to 2012. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by 21 basis points to 0.88%. Management&#146;s decision to further reduce interest rates paid on all deposit categories has not had a negative impact on deposit growth and reflects the loyalty of the bank&#146;s core deposit base. This decrease in funding costs occurred in spite of a $28.3 million increase in the volume of interest bearing liabilities. The Company has utilized term advances from the FHLB,
with maturities ranging between three and five years, to help fund its earning asset growth and manage interest rate risk over the past year. The average balance of FHLB term advances has increased by $13 million while the average cost of these advances declined by 60 basis points to 0.84%. Overall, total FHLB borrowings averaged $36 million or 3.5% of total assets during 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table that follows provides an analysis of net interest income on a tax-equivalent basis setting forth (i) average assets, liabilities, and stockholders&#146; equity, (ii) interest income earned on interest earning assets and interest expense paid on interest bearing liabilities, (iii) average yields earned on interest earning assets and average rates paid on interest bearing liabilities, (iv) interest rate spread (the difference between the average </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">yield earned on interest earning assets and the average rate paid on interest bearing liabilities), and (v) net interest margin (net interest income as a percentage of average total interest earning assets). For purposes of these tables loan balances include non-accrual loans, and interest income on loans includes loan fees or amortization of such fees which have been deferred, as well as interest recorded on certain non-accrual loans as cash is received. Regulatory stock is included within available for sale investment securities for this analysis. Additionally, a tax rate of approximately 34% is used to compute tax-equivalent
yields. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="153"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="51"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="153"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="63"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="51"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=35>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST<BR> INCOME/<BR> EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/<BR> RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE<BR> BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST<BR> INCOME/<BR> EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/<BR> RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE<BR> BALANCE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST<BR> INCOME/<BR> EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/<BR> RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned<BR> income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>804,721</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,366</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>746,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>688,736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,842</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,227</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,027</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investment in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,243</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.49</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,889</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>137,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,528</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150,621</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172,947</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,399</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>559</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>508</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>157,238</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,087</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>168,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>186,775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST EARNING ASSETS/INTEREST INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>970,429</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,465</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>926,377</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>888,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,944</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from banks</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,919</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,282</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,839</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>69,423</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75,360</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(9,951</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(11,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(13,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,060,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,019,937</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>984,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>97,641</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.20</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>89,554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>144</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87,819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>228,150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>300,915</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>312,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,151</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>327,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>716,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,889</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.68</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>688,421</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>685,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,783</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,973</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>333</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,170</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,661</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>8.57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST BEARING LIABILITIES/INTEREST EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>781,013</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,397</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.82</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>737,649</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.88</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>709,311</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>155,365</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>158,169</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>147,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,969</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>115,755</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>110,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>111,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,060,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,019,937</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>984,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income/net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,068</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,886</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax-equivalent adjustment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>34,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net interest income may also be analyzed by segregating the volume and rate components of interest income and interest expense. The table below sets forth an analysis of volume and rate changes in net interest income on a tax-equivalent basis. For purposes of this table, changes in interest income and interest expense are allocated to volume and rate categories based upon the respective percentage changes in average balances and average rates. Changes in net interest income that could not be specifically identified as either a rate or volume change were allocated proportionately to changes in volume and changes in rate. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2014 vs. 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2013 vs. 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE<BR> VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EARNED ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,853</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,632</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,221</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,730</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>303</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(332</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>159</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(570</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>44</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>51</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(288</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>166</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(122</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(463</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,564</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,097</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,845</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST PAID ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>53</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>118</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(93</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(208</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(358</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(234</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>145</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>160</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(245</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(85</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,232</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Change in net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,404</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(2,222</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,182</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,341</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>656</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LOAN QUALITY...</B> The Company&#146;s written lending policies require underwriting, loan documentation, and credit analysis standards to be met prior to funding any loan. After the loan has been approved and funded, continued periodic credit review is required. The Company&#146;s policy is to individually review, as circumstances warrant, each of its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company has also
identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and removed from the pool if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. The following table sets forth information concerning the Company&#146;s loan delinquency and other non-performing assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20</P>

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<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total accruing loans past due 30 to 89 days</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,643</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,196</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDRs<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loan delinquency as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.32</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total classified loans (loans rated substandard or doubtful)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,229</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,779</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Non-performing assets are comprised of (i) loans that are on a non-accrual basis, (ii) loans that are contractually past due 90 days or more as to interest and principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of successful ongoing problem credit resolution efforts, the Company realized further asset quality improvements in 2014. Each of the metrics in the above table demonstrated improvement in 2014 as particularly evidenced by reduced levels of non-accrual loans, non-performing assets, classified loans and low loan delinquency levels that continue to be well below 1% of total loans. We continue to closely monitor the loan portfolio given the uneven recovery in the economy and the number of relatively large-sized commercial and CRE loans within the portfolio. As of December 31, 2014, the 25 largest credits represented
26.6% of total loans outstanding. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>ALLOWANCE AND PROVISION FOR LOAN LOSSES...</B> As described in more detail in the Critical Accounting Policies and Estimates section of this MD&amp;A, the Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The following table sets forth changes in the ALL and certain ratios for the periods ended. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Charge-offs:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(172</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(708</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,777</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(322</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,323</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real<BR> estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>71</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total recoveries</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(856</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,367</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,277</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,170</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average for the year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>804,721</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>746,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>688,736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>662,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>At December 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>786,748</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>731,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>As a percent of average loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.11</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a percent of each of the following:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total accruing delinquent loans (past due 30 to 89 days)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>364.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>309.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>363.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>440.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>438.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>351.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>288.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>329.89</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>245.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>281.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a multiple of net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.24x</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.39x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.84x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.33x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.82x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For 2014, the Company recorded a $375,000 provision for loan losses compared to a $1.1 million negative provision for the 2013 year. This represents an unfavorable swing of $1.5 million between years and is a significant factor contributing to the lower earnings in 2014. The positive provision in 2014 was needed to partially cover net loan charge-offs and support the continuing growth of the loan portfolio. In 2014 actual credit losses realized through net charge-offs totaled $856,000, or 0.11% of average total loans, which represents a decrease from the 2013 year when net charge-offs totaled $1.4 million, or 0.18% of average
total loans. Overall, for the 2014 year, the Company continued to maintain outstanding asset quality. At December 31, 2014, non-performing assets totaled $2.9 million, or only 0.35% of total loans, which represents </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">the first time that our non-performing assets have been under $3 million since 2007. In summary, the ALL provided a strong 400% coverage of non-performing loans, and 1.16% of total loans, at December 31, 2014, compared to 327% coverage of non-performing loans, and 1.29% of total loans, at December 31, 2013. The Company presently expects that it will have greater positive loan loss provisions in 2015 to support the expected growth of the loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded for the 2013 year a negative loan loss provision of $1.1 million compared to a $775,000 negative provision for the 2012 year. There was $325,000 more earnings benefit from negative loan loss provisions in 2013. The 2013 negative provision primarily resulted from the release of reserves due to the fourth quarter pay-off of a large classified loan and a continued reduction in the level of criticized loans and non-performing assets. At December 31, 2013, non-performing assets totaled $4.1 million or 0.52% of total loans which is $3.1 million lower than they were at the end of 2012. Net loan charge-offs for
2013 totaled $1.4 million or 0.18% of average total loans which is comparable with 2012 when net charge-offs totaled $1.3 million or 0.19% of average total loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following schedule sets forth the allocation of the ALL among various loan categories. This allocation is determined by using the consistent quarterly procedural discipline that was previously discussed. The entire ALL is available to absorb future loan losses in any loan category. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="133"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="133"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-size: 7pt">AT DECEMBER 31,</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-size: 7pt">2014</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-size: 7pt">2013</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-size: 7pt">2012</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-size: 7pt">2011</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-size: 7pt">2010</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">AMOUNT</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">PERCENT<BR> OF LOANS<BR> IN EACH<BR> CATEGORY<BR> TO TOTAL LOANS</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">AMOUNT</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">PERCENT<BR> OF LOANS<BR> IN EACH<BR> CATEGORY<BR> TO TOTAL<BR> LOANS</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">AMOUNT</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">PERCENT<BR> OF LOANS<BR> IN EACH<BR> CATEGORY<BR> TO TOTAL<BR> LOANS</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">AMOUNT</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">PERCENT<BR> OF LOANS<BR> IN EACH<BR> CATEGORY<BR> TO TOTAL<BR> LOANS</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">AMOUNT</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7pt">PERCENT<BR> OF LOANS<BR> IN EACH<BR> CATEGORY<BR> TO TOTAL<BR> LOANS</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;(IN THOUSANDS, EXCEPT PERCENTAGES)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16.8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>49.6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>31.3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation to general risk</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100.0</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Even though residential real estate-mortgage loans comprise 31.3% of the Company&#146;s total loan portfolio, only $1.3 million or 13.6% of the total ALL is allocated against this loan category. The residential real estate-mortgage loan allocation is based upon the Company&#146;s three-year historical average of actual loan charge-offs experienced in that category and other qualitative factors. The disproportionately higher allocations for commercial loans and commercial loans secured by real estate reflect the increased credit risk associated with this type of lending, the Company&#146;s historical loss experience in these
categories, and other qualitative factors. The large decline in the part of the allowance allocated to commercial loans secured by real estate reflects the continued asset quality improvements in this sector. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on the Company&#146;s ALL methodology and the related assessment of the inherent risk factors contained within the Company&#146;s loan portfolio, we believe that the ALL is adequate at December 31, 2014 to cover losses within the Company&#146;s loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST INCOME...</B> Non-interest income for 2014 totalled $14.3 million, a decrease of $1.4 million, or 9.0%, from 2013. Factors contributing to this lower level of non-interest income in 2014 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">Reduced revenue from residential mortgage banking activities was caused by both lower refinance activity due to higher mortgage rates and reduced purchase activity in 2014. As a result, gains realized on residential mortgage loan sales into the secondary market declined by $341,000 or 31.3% and mortgage related fees dropped by $183,000 due largely to lower mortgage origination and underwriting fees. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $216,000, or 9.9% decrease in service charges on deposit accounts due to fewer overdraft charges and account analysis fees as customers have generally maintained higher balances in their checking accounts in 2014. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $250,000, or 25.1%, decrease in Bank Owned Life Insurance (BOLI) revenue due largely to the receipt of a death claim payment in 2013. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $357,000 decrease in other income due to a $226,000 reduction in financial services commission revenue and a net unfavorable swing of $140,000 on OREO property transactions. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest income for 2013 totalled $15.7 million, an increase of $801,000, or 5.4%, from 2012. Factors contributing to this higher level of non-interest income in 2013 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $544,000, or 7.5%, increase in trust and investment advisory fees due to increased assets under management which reflects both successful new business development efforts and market appreciation of existing assets given the strong equity market performance in 2013. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $204,000 investment security gain realized on the sale of certain rapidly prepaying mortgage backed securities in 2013. There was only $12,000 of investment security gains realized in 2012. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $135,000, or 15.6%, increase in BOLI due to the receipt of a death claim payment in 2013. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">a $43,000, or 3.8%, decrease in gains realized on residential mortgage loan sales into the secondary market due to a reduced level of mortgage loan production and refinance activity in the second half of 2013. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST EXPENSE...</B> Non-interest expense for 2014 totalled $43.4 million, a $1.1 million, or 2.7%, increase from 2013. Factors contributing to the higher non-interest expense in 2014 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">professional fees increased by $1.1 million in 2014 due to higher legal costs related to litigation against the former CEO of WCCA, the consulting costs associated with our profitability improvement project and new recurring costs related to outsourcing our computer operations and statement processing to a third party vendor. The overall cost savings benefit from outsourcing these services is captured in lower personnel costs in these departments and reduced software expense, which is a key factor contributing to the decline in other expenses of $199,000 in 2014. </TD>

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</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#151;</TD>

          <TD STYLE="text-align: justify">the recognition of a $669,000 goodwill impairment charge during the third quarter of 2014. The voluntary departure of WCCA&#146;s former CEO, and the related litigation against him for violations of his employment agreement, caused disruption within the WCCA customer base during 2014. This disruption ultimately led to the loss of certain clients and a reduction in the projected earnings capacity of WCCA which caused the Company to incur the goodwill impairment charge. </TD>

</TR>

</TABLE>

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          <TD STYLE="text-align: justify">a $293,000 decrease in miscellaneous taxes and insurance due to reduced Pennsylvania bank shares tax expense resulting from a change in the calculation methodology that took effect January 1, 2014. </TD>

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          <TD STYLE="text-align: justify">a $155,000, or 0.6%, decrease in salaries and employee benefits expense due to lower salaries and incentive compensation in 2014. This reduction occurred even with a $376,000 pension charge in the fourth quarter of 2014 related to 25 employees who elected to participate in an early retirement incentive program. Since the majority of these retired employees will not be replaced, the Company expects to achieve meaningful salary and benefits expense savings in 2015. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest expense for 2013 totalled $42.2 million, a $1.6 million, or 3.9%, increase from 2012. Factors contributing to the higher non-interest expense in 2013 included: </P>

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          <TD STYLE="text-align: justify">a $691,000, or 2.8%, increase in salaries and employee benefits expense due to higher salaries expense and pension expense in 2013. </TD>

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          <TD STYLE="text-align: justify">a $457,000 increase in professional fees due largely to higher legal costs, recruitment fees, and increases in several other professional fee categories which included the cost for outsourcing the computer operations function for part of the year. </TD>

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          <TD STYLE="text-align: justify">a $170,000 increase in FDIC insurance expense due largely to the Bank&#146;s increased asset size. </TD>

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</DIV>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INCOME TAX EXPENSE...</B> The Company recorded income tax expense of $1.6 million or an effective tax rate of 34.6% for 2014 compared to income tax expense of $2.3 million or an effective tax rate of 30.6% for 2013. The higher effective tax rate in 2014 was primarily due to the non-deductibility of the goodwill impairment charge for tax purposes. The income tax expense recorded in 2012 was $2.2 million or an effective tax rate of 30.8% which was comparable with 2013. BOLI is the Company&#146;s largest source of tax-free earnings. The Company&#146;s deferred tax asset was $9.6 million at December 31, 2014 and relates
primarily to net operating loss carryforwards and the ALL. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>SEGMENT RESULTS...</B> Retail banking&#146;s net income contribution was $2.2 million in 2014 compared to $2.8 million in 2013 and $3.2 million in 2012. This decline in earnings in 2014 was due primarily to lower non-interest income resulting from the previously discussed decrease in residential mortgage banking related revenues, lower deposit service charges and reduced revenue from BOLI in 2014. Net interest income was also down modestly in this segment reflecting the ongoing net interest margin pressure from the continued low interest rate environment which causes the funding benefit for deposits provided by this segment
to be lower. These negative items were partially offset by reduced non-interest expense due largely to lower personnel costs. The reduced earnings in 2013 was due largely to lower net interest income resulting from the previously discussed net interest margin pressure, modestly lower non-interest income and higher non-interest expense. The decline in non-interest income reflects decreased residential mortgage banking related revenues resulting from the reduced mortgage production in the second half of the year. The increase in non-interest expense was largely due to a $170,000 increase in FDIC deposit insurance expense in 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The commercial banking segment reported net income of $4.2 million in 2014 compared to net income of $5.0 million in 2013 and $4.7 million in 2012. The reduced net income contribution was due to a net unfavorable swing of $1.3 million in the provision for loan losses from a negative provision of $1.0 million in 2013 to a positive provision of $318,000 in 2014. Non-interest expense also increased in this segment due higher salaries and employee benefit costs as we have increased staffing levels within this segment to generate and support the solid commercial loan growth that we have achieved. These negative items were partially
offset by higher net interest income as a result of the previously discussed strong growth in commercial and CRE loans over the past year. Continued improvements in asset quality resulted in a negative provision for loan losses in 2013. Overall, there has been $393,000 additional earnings benefit from negative loan loss provisions in this segment in 2013. This segment also benefitted from a $1.2 million increase in net interest income due to growth in commercial loans in 2013. These positive items were partially offset by a $1.2 million increase in non-interest expense due to higher personnel costs, the costs associated with all three new loan production offices being operational for the entire year and a $238,000 increase in the reserve for unfunded commitments due to increased loan approval activity. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The trust segment&#146;s net income contribution was $564,000 in 2014 compared to $1.2 million in 2013 and $945,000 in 2012. The 2014 year was negatively impacted by the previously discussed $669,000 goodwill impairment charge at WCCA due to the loss of certain clients and a reduction in the projected earnings capacity of WCCA. Non-interest revenue for this segment was also negatively impacted by client attrition at WCCA and lower financial services revenue due to fewer production personnel in 2014. However, non-interest expense in this segment (excluding the goodwill impairment charge) was also down due to reduced personnel
cost at WCCA which has helped mitigate a significant portion of the revenue decline. The higher net income contribution in 2013 was due to $607,000 more revenue from increased assets under management which reflects both successful new business development efforts and market appreciation of existing assets given the strong equity market performance in 2013. This more than offset higher non-interest expense from increased personnel costs and professional fees. Overall, the fair market value of trust assets under administration totaled $1.784 billion at December 31, 2014, an increase of $115.6 million, or 6.9%, from the December 31, 2013 total of $1.669 billion. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment/parent segment reported a net loss of $3.9 million in 2014 which was comparable with the net loss of $3.8 million in 2013 and $3.7 million in 2012. Overall this segment has felt the most earnings pressure from the continued low interest rate environment and declining investment security balances which have been utilized to help fund loan growth. Additionally, all of the interest expense is allocated to this </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">segment. The Company did generate investment security gains of $177,000 in 2014 and $204,000 in 2013 from the sale of certain rapidly prepaying mortgage backed securities which had a favorable impact on earnings in this segment. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For greater discussion on the future strategic direction of the Company&#146;s key business segments, see &#147;Management&#146;s Discussion and Analysis&nbsp;&#151;&nbsp;Forward Looking Statements.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>BALANCE SHEET...</B> The Company's total consolidated assets of $1.089 billion at December 31, 2014 grew by $33 million or 3.2% from the $1.056 billion level at December 31, 2013. This asset growth was due primarily to a $43.7 million or 5.6% increase in total loans in 2014. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied CRE loans particularly through its loan production offices. This loan increase was partially offset by a $13.2 million decrease in investment securities as the Company utilized
this item to help fund the loan growth. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company also funded the previously mentioned asset growth with a combination of both increased deposits ($15 million) and FHLB advances ($17 million). The FHLB term advances, with maturities between 3 and 5 years, now total $42 million as the Company has utilized these advances to help manage interest rate risk in a rising rate environment. Other liabilities increased by $2.4 million due to an increase in the Company&#146;s pension liability. Total stockholders&#146; equity increased by $1.1 million since year-end 2013 mainly due to increased retained earnings as the Company&#146;s net income available to common
shareholders more than exceeded funds used for common stock cash dividend payments. The Company continues to be considered well capitalized for regulatory purposes with a risk based capital ratio of 14.80% and an asset leverage ratio of 11.34% at December 31, 2014. The Company&#146;s book value per common share was $4.97, its tangible book value per common share was $4.33 and its tangible common equity to tangible assets ratio was 7.56% at December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LIQUIDITY...</B> The Company&#146;s liquidity position has been strong during the last several years. Our core retail deposit base has grown over the past three years and has been adequate to fund the Company&#146;s operations. Cash flow from maturities, prepayments and amortization of securities was also used to help fund loan growth over the past two years. We strive to operate our loan to deposit ratio in a range of 85% to 100%. At December 31, 2014, the Company&#146;s loan to deposit ratio was 95.7%. We are optimistic that we can further increase the loan to deposit ratio in 2015 given current commercial loan pipelines,
the continued development of our three existing loan production offices, and the opening of a new loan production office in Harrisonburg Virginia in 2015. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity can also be analyzed by utilizing the Consolidated Statement of Cash Flows. Cash and cash equivalents increased by $2.8 million from December 31, 2013, to December 31, 2014, due to $28.7 million of cash provided by financing activities and $5.0 of cash provided by operating activities. This was partially offset by $30.9 million of cash used in investing activities. Within investing activities, cash advanced for new loan fundings and purchases totalled $182.7 million and was $41.4 million higher than the $141.3 million of cash received from loan principal payments and sales. Within financing activities, deposits
increased by $15.4 million, which was used to help fund the overall loan growth experienced in 2014. Total FHLB borrowings increased as advances, both short-term and long term, exceeded pay downs by $14 million and was also utilized to fund earning asset growth. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The holding company had a total of $17.6 million of cash, short-term investments, and investment securities at December 31, 2014. Additionally, dividend payments from our subsidiaries can also provide ongoing cash to the holding company. At December 31, 2014, our subsidiary Bank had $514,000 of cash available for immediate dividends to the holding company under applicable regulatory formulas. As such, the holding company has strong liquidity to meet its trust preferred debt service requirements, its SBLF preferred stock dividends, and its common stock dividends, which in total should approximate $2 million over the next twelve
months. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Financial institutions must maintain liquidity to meet day-to-day requirements of depositors and borrowers, take advantage of market opportunities, and provide a cushion against unforeseen needs. Liquidity needs can be met by either reducing assets or increasing liabilities. Sources of asset liquidity are provided by </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">short-term investment securities, time deposits with banks, federal funds sold, and short-term investments in money market funds. These assets totaled $33 million and $30 million at December 31, 2014 and 2013, respectively. Maturing and repaying loans, as well as the monthly cash flow associated with mortgage-backed securities and security maturities are other significant sources of asset liquidity for the Company. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liability liquidity can be met by attracting deposits with competitive rates, using repurchase agreements, buying federal funds, or utilizing the facilities of the Federal Reserve or the FHLB systems. The Company utilizes a variety of these methods of liability liquidity. Additionally, the Company&#146;s subsidiary bank is a member of the FHLB, which provides the opportunity to obtain short- to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate. At December 31, 2014, the Company had $347 million of overnight borrowing availability at the FHLB, $40
million of short-term borrowing availability at the Federal Reserve Bank and $39 million of unsecured federal funds lines with correspondent banks. The Company believes it has ample liquidity available to fund outstanding loan commitments if they were fully drawn upon. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CAPITAL RESOURCES...</B> The Company meaningfully exceeds all regulatory capital ratios for each of the periods presented and is considered well capitalized. The asset leverage ratio was 11.34% and the risk based capital ratio was 14.80% at December 31, 2014. We anticipate that we will maintain our strong capital ratios throughout 2015. Capital generated from earnings will be utilized to pay the SBLF preferred dividend, common stock cash dividend and will also support anticipated balance sheet growth. Our common dividend payout ratio for the full year 2014 was 26.7%. Even after satisfying these obligations, we believe that
we will still be able to build the holding company&#146;s cash position in 2015 which currently stands at $17.6 million. We are presently planning to utilize a meaningful part of this cash to redeem a portion of the SBLF preferred stock in the first quarter of 2016 when the interest rate is scheduled to increase from 1% to 9%. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act. The July 2013 final rules generally implement higher minimum capital requirements, add a new common equity tier 1 capital requirement, and establish criteria that instruments must meet to be considered common equity tier 1 capital, additional tier 1 capital or tier 2 capital. The new minimum capital to risk-adjusted assets
requirements are a common equity tier 1 capital ratio of 4.5% (6.5% to be considered &#147;well capitalized&#148;) and a tier 1 capital ratio of 6.0%, increased from 4.0% (and increased from 6.0% to 8.0% to be considered &#147;well capitalized&#148;); the total capital ratio remains at 8.0% under the new rules (10.0% to be considered &#147;well capitalized&#148;). Under the new rules, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers), a banking organization must hold a capital conservation buffer comprised of common equity tier 1 capital above its minimum risk-based capital requirements in an amount greater than 2.5% of total risk-weighted assets. The new minimum capital requirements are effective for the Company and the Bank on January 1, 2015. The capital contribution buffer requirements phase in over a three-year period beginning January 1, 2016. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The July 2013 final rules include three significant changes from the proposals initially made by federal banking regulators in September 2012: (i) the final rules do not change the current risk weighting for residential mortgage exposures; (ii) the final rules permit institutions, other than certain large institutions, to elect to continue to treat certain components of accumulated other comprehensive income as permitted under the current general risk-based capital rules, and not reflect unrealized gains and losses on available-for-sale securities in common equity tier 1 calculations; and (iii) the final rules permit
institutions with less than $15.0 billion in assets to grandfather certain non-qualifying capital instruments (including trust preferred securities) issued prior to May 19, 2009 into tier 1 capital. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is continuing to review the impact of these new rules and currently expects that its capital position will be more than adequate to meet the revised regulatory capital requirements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INTEREST RATE SENSITIVITY...</B> Asset/liability management involves managing the risks associated with changing interest rates and the resulting impact on the Company&#146;s net interest income, net income and capital. The management and measurement of interest rate risk at the Company is performed by using the following tools: 1) simulation modeling, which analyzes the impact of interest rate changes on net interest </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">27</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">income, net income and capital levels over specific future time periods. The simulation modeling forecasts earnings under a variety of scenarios that incorporate changes in the absolute level of interest rates, the shape of the yield curve, prepayments and changes in the volumes and rates of various loan and deposit categories. The simulation modeling incorporates assumptions about reinvestment and the repricing characteristics of certain assets and liabilities without stated contractual maturities; 2) market value of portfolio equity sensitivity analysis, and 3) static GAP analysis, which analyzes the extent to which interest
rate sensitive assets and interest rate sensitive liabilities are matched at specific points in time. The overall interest rate risk position and strategies are reviewed by senior management and the Company&#146;s Board on an ongoing basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents a summary of the Company&#146;s static GAP positions at December 31, 2014: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="233"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY PERIOD</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>3 MONTHS<BR> OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 3 MONTHS<BR> THROUGH<BR> 6 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 6 MONTHS<BR> THROUGH<BR> 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>226,727</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>56,024</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>90,390</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>458,990</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,969</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,658</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,389</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>97,934</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>146,950</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,092</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,092</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,048</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>265,836</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>63,682</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>143,196</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>559,049</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,031,763</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>167,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>167,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NOW</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>89,676</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>89,676</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>179,827</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>221,378</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other savings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22,504</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>67,516</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>90,020</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,171</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,927</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,948</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,529</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>68,273</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>31,312</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>30,505</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>120,637</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>250,727</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>275,087</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>54,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>44,432</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>495,879</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>869,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>51,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>93,965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>313,967</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>54,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>48,432</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>546,964</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>963,846</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY GAP:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interval</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(48,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,199</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>94,764</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Cumulative</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(48,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(38,932</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>55,832</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>67,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>67,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Period GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.85X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.17X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.96X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.02X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.85</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.89</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of cumulative GAP to total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4.42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3.57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When December 31, 2014 is compared to December 31, 2013, the Company&#146;s cumulative GAP ratio through one year indicates that the Company&#146;s balance sheet is still asset sensitive with some improvement noted between years. We continue to see loan customer preference for fixed rate loans given the overall low level of interest rates. Also, we have extended some term advances with the FHLB to help manage our interest rate risk position. Overall, the absolute low level of short interest rates makes this table more difficult to analyze since there is little room for certain deposit liabilities to reprice downward further.
</P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management places primary emphasis on simulation modeling to manage and measure interest rate risk. The Company&#146;s asset/liability management policy seeks to limit net interest income variability over the first twelve months of the forecast period to +/-7.5%, which include interest rate movements of 200 basis points. Additionally, the Company also uses market value sensitivity measures to further evaluate the balance sheet </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">28</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">exposure to changes in interest rates. The Company monitors the trends in market value of portfolio equity sensitivity analysis on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents an analysis of the sensitivity inherent in the Company&#146;s net interest income and market value of portfolio equity. The interest rate scenarios in the table compare the Company&#146;s base forecast, which was prepared using a flat interest rate scenario, to scenarios that reflect immediate interest rate changes of 100 and 200 basis points. Note that we suspended the 200 basis point downward rate shock since it has little value due to the absolute low level of interest rates. Each rate scenario contains unique prepayment and repricing assumptions that are applied to the Company&#146;s existing
balance sheet that was developed under the flat interest rate scenario. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="429"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST RATE SCENARIO</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>VARIABILITY<BR> OF NET<BR> INTEREST<BR> INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHANGE IN<BR> MARKET<BR> VALUE OF<BR> PORTFOLIO<BR> EQUITY</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>200 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.2</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp decrease</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3.8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(14.4</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company believes that its overall interest rate risk position is well controlled. The variability of net interest income is modestly positive in the upward rate shocks due to the Company&#146;s short duration investment securities portfolio and scheduled repricing of loans tied to LIBOR or prime. Also, the Company expects that it will not have to reprice its core deposit accounts up as quickly when interest rates rise. The variability of net interest income is negative in the 100 basis point downward rate scenario as the Company has more exposure to assets repricing downward to a greater extent than liabilities due to the
absolute low level of interest rates with the fed funds rate currently at 0.25%. The market value of portfolio equity increases in the upward rate shocks due to the improved value of the Company&#146;s core deposit base. Negative variability of market value of portfolio equity occurs in the downward rate shock due to a reduced value for core deposits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Within the investment portfolio at December 31, 2014, 86% of the portfolio is classified as available for sale and 14% as held to maturity. The available for sale classification provides management with greater flexibility to manage the securities portfolio to better achieve overall balance sheet rate sensitivity goals and provide liquidity if needed. The mark to market of the available for sale securities does inject more volatility in the book value of equity, but has no impact on regulatory capital. There are 38 securities that are temporarily impaired at December 31, 2014. The Company reviews its securities quarterly and
has asserted that at December 31, 2014, the impaired value of securities represents temporary declines due to movements in interest rates and the Company does have the ability and intent to hold those securities to maturity or to allow a market recovery. Furthermore, it is the Company&#146;s intent to manage its long-term interest rate risk by continuing to sell newly originated fixed-rate 30-year mortgage loans into the secondary market (excluding construction and any jumbo loans). The Company also sells 15-year fixed-rate mortgage loans into the secondary market as well, depending on market conditions. For the year 2014, 59% of all residential mortgage loan production was sold into the secondary market. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">29</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The amount of loans outstanding by category as of December 31, 2014, which are due in (i) one year or less, (ii) more than one year through five years, and (iii) over five years, are shown in the following table. Loan balances are also categorized according to their sensitivity to changes in interest rates. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE YEAR<BR> OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MORE THAN<BR> ONE YEAR<BR> THROUGH<BR> FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE<BR> YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,663</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42,388</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55,075</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>46,254</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,941</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>218,134</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>46,570</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>85,850</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>131,247</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>263,667</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,272</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,654</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,083</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>140,759</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>282,833</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>408,539</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans with fixed-rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>82,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>149,392</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>227,768</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>459,948</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Loans with floating-rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>57,971</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>133,441</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>180,771</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>372,183</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>140,759</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>282,833</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>408,539</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>832,131</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Percent composition of maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16.9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34.0</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>49.1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100.0</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fixed-rate loans as a percentage of total loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55.3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Floating-rate loans as a percentage of total loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>44.7</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan maturity information is based upon original loan terms and is not adjusted for principal paydowns and rollovers. In the ordinary course of business, loans maturing within one year may be renewed, in whole or in part, as to principal amount at interest rates prevailing at the date of renewal. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CONTRACTUAL OBLIGATIONS...</B> The following table presents, as of December 31, 2014, significant fixed and determinable contractual obligations to third parties by payment date. Further discussion of the nature of each obligation is included in the referenced note to the consolidated financial statements. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="154"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>PAYMENTS DUE IN</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTE<BR> REFERENCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE<BR> YEAR OR<BR> LESS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE TO<BR> THREE<BR> YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>THREE TO<BR> FIVE<BR> YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE<BR> YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits without a stated maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>568,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>568,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit*</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>173,817</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55,644</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,247</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,645</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>311,353</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Borrowed funds*</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>43,176</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,727</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,707</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>82,610</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures*</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,524</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,524</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Lease commitments</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>711</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,011</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>439</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,561</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Includes interest based upon interest rates in effect at December 31, 2014. Future changes in market interest rates could materially affect contractual amounts to be paid. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>OFF BALANCE SHEET ARRANGEMENTS...</B> The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual
amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. The Company had various outstanding commitments to extend credit </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">30</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">approximating $188.0 million and standby letters of credit of $7.2 million as of December 31, 2014. The Company can also use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company had no interest rate contracts outstanding as of December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CRITICAL ACCOUNTING POLICIES AND ESTIMATES...</B> The accounting and reporting policies of the Company are in accordance with GAAP and conform to general practices within the banking industry. Accounting and reporting policies for the ALL, goodwill, income taxes, and investment securities are deemed critical because they involve the use of estimates and require significant management judgments. Application of assumptions different than those used by the Company could result in material changes in the Company&#146;s financial position or results of operation. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Allowance for loan losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Allowance for loan losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision (credit) for loan losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses is calculated with the objective of maintaining reserve levels believed by management to be sufficient to absorb estimated probable credit losses. Management&#146;s determination of the adequacy of the allowance is based on periodic evaluations of the credit portfolio and other relevant factors. However, this quarterly evaluation is inherently subjective as it requires material estimates, including, among others, likelihood of customer default, loss given default, exposure at default, the amounts and timing of expected future cash flows on impaired loans, value of collateral, estimated losses on
consumer loans and residential mortgages, and general amounts for historical loss experience. This process also considers economic conditions, uncertainties in estimating losses and inherent risks in the various credit portfolios. All of these factors may be susceptible to significant change. Also, the allocation of the allowance for credit losses to specific loan pools is based on historical loss trends and management&#146;s judgment concerning those trends. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial and CRE loans are the largest category of credits and the most sensitive to changes in assumptions and judgments underlying the determination of the ALL. Approximately $7.2 million, or 74%, of the total ALL at December 31, 2014 has been allocated to these two loan categories. This allocation also considers other relevant factors such as actual versus estimated losses, economic trends, delinquencies, levels of non-performing and Troubled Debt Restructured (TDR) loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending
policies and trends in policy, financial information and documentation exceptions. To the extent actual outcomes differ from management estimates, additional provision for loan losses may be required that would adversely impact earnings in future periods. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Goodwill impairment </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company considers our accounting policies related to goodwill to be critical because the assumptions or judgment used in determining the fair value of assets and liabilities acquired in past acquisitions are subjective and complex. As a result, changes in these assumptions or judgment could have a significant impact on our financial condition or results of operations. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of acquired assets and liabilities, including the resulting goodwill, was based either on quoted market prices or provided by other third party sources, when available. When third party information was not available, estimates were made in good faith by management primarily through the use of internal cash flow modeling techniques. The assumptions that were used in the cash flow modeling were subjective and are susceptible to significant changes. The Company routinely utilizes the services of an independent third party that is regarded within the banking industry as an expert in valuing core deposits to monitor
the ongoing </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">31</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">value and changes in the Company&#146;s core deposit base. These core deposit valuation updates are based upon specific data provided from statistical analysis of the Company&#146;s own deposit behavior to estimate the duration of these non-maturity deposits combined with market interest rates and other economic factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company&#146;s goodwill relates to value inherent in the banking and wealth management businesses, and the value is dependent upon the Company&#146;s ability to provide quality, cost-effective services in the face of free competition from other market participants on a regional basis. This ability relies upon continuing investments in processing systems, the development of value-added service features and the ease of use of the Company&#146;s services. As such, goodwill value is
supported ultimately by revenue that is driven by the volume of business transacted and the loyalty of the Company&#146;s deposit and customer base over a longer time frame. The quality and value of a Company&#146;s assets is also an important factor to consider when performing goodwill impairment testing. A decline in earnings as a result of a lack of growth or the inability to deliver cost-effective value added services over sustained periods can lead to impairment of goodwill. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill which has an indefinite useful life is tested for impairment at least annually and written down and charged to results of operations only in periods in which the recorded value is more than the estimated fair value. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded a $669,000 impairment charge as a result of a goodwill impairment analysis performed in the third quarter of 2014. A qualitative assessment of WCCA indicated that it was more likely than not that the carrying value of WCCA exceeded it fair value. As such, the Company then performed the necessary two-step impairment test. In Step 1, we determined the carrying value of WCCA, including the goodwill, and compared it to the estimated fair value of WCCA. The results of Step 1 indicated that the carrying value of the goodwill exceeded the fair value so it was necessary to move to Step 2 where we measured the
amount of the impairment loss. After performing Step 2, we determined that the implied value of the goodwill was less than its carrying costs which caused us to record an impairment charge of $669,000 in the third quarter of 2014. Overall, the voluntary departure of WCCA&#146;s former CEO and the related litigation against him for violations of his employment agreement, caused disruption within the WCCA customer base during 2014. This disruption ultimately led to the loss of certain clients and a reduction in the projected earnings capacity of WCCA. These were the key facts and circumstances that led to the goodwill impairment charge in the third quarter of 2014. The Company utilized a discounted cash flow model along with a valuation technique based upon a multiple of revenues to estimate the fair value of WCCA. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Income Taxes </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Net deferred tax asset </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision for income taxes </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The provision for income taxes is the sum of income taxes both currently payable and deferred. The changes in deferred tax assets and liabilities are determined based upon the changes in differences between the basis of assets and liabilities for financial reporting purposes and the basis of assets and liabilities as measured by the enacted tax rates that management estimates will be in effect when the differences reverse. This income tax review is completed on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In relation to recording the provision for income taxes, management must estimate the future tax rates applicable to the reversal of tax differences, make certain assumptions regarding whether tax differences are permanent or temporary and the related timing of the expected reversal. Also, estimates are made as to whether taxable operating income in future periods will be sufficient to fully recognize any gross deferred tax assets. If recovery is not likely, we must increase our provision for taxes by recording a valuation allowance against the deferred tax assets that we estimate will not ultimately be recoverable.
Alternatively, we may make estimates about the potential usage of deferred tax assets that decrease our valuation allowances. As of December 31, 2014, we believe that all of the deferred tax assets recorded on our balance sheet will ultimately be recovered and that no valuation allowances were needed. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">32</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, the calculation of our tax liabilities involves dealing with uncertainties in the application of complex tax regulations. We recognize liabilities for anticipated tax audit issues based on our estimate of whether, and the extent to which, additional taxes will be due. If we ultimately determine that payment of these amounts is unnecessary, we reverse the liability and recognize a tax benefit during the period in which we determine that the liability is no longer necessary. We record an additional charge in our provision for taxes in the period in which we determine that the recorded tax liability is less than we
expect the ultimate assessment to be. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Investment Securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Investment securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Net realized gains (losses) on investment securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statements of Operations. At December
31, 2014, the unrealized losses in the available-for-sale security portfolio were comprised of securities issued by government agencies or government sponsored agencies and certain high quality corporate securities. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORWARD LOOKING STATEMENTS... </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">THE STRATEGIC FOCUS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The challenge for the future is to improve earnings performance to peer levels through a disciplined focus on community banking and improving the profitability of our Trust Company. In accordance with our strategic plan, the Company will maintain its focus as a community bank delivering banking and trust services to the best of our ability and focus on further growing revenues by leveraging our strong capital base and infrastructure. This Company will not succumb to the lure of quick fixes and fancy financial gimmicks. It is our plan to continue to build the Company into a potent banking force in this region and in this
industry. Our focus encompasses the following:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Customer Service&nbsp;&#151;&nbsp;It is the existing and prospective customer that the Company must satisfy. This means good products and fair prices. But it also means quick response time and professional competence. It means speedy problem resolution and a minimizing of bureaucratic frustrations. The Company is training and motivating its staff to meet these standards while providing customers with more banking options that involve leading technologies such as computers, smartphones, and tablets to conduct business.</TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Revenue Growth&nbsp;&#151;&nbsp;It is necessary for the Company to focus on growing revenues. This means loan growth, deposit growth and fee growth. It also means close coordination between all customer service areas so as many revenue producing products as possible can be presented to existing and prospective customers. The Company&#146;s Strategic Plan contains action plans in each of these areas particularly on increasing loans through several loan production offices. There will be a particular focus on small business commercial lending. An examination of the peer bank database provides ample proof that a well-executed community banking business model can generate a reliable and rewarding revenue stream.</TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">33</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Expense Rationalization&nbsp;&#151;&nbsp;The Company remains focused on trying to reduce and rationalize expenses. This has not been a program of broad based cuts, but has been targeted so the Company stays strong but spends less. It is critical to be certain that future expenditures are directed to areas that are playing a positive role in the drive to improve revenues. Additionally, the Company incurred approximately $150,000 of expenses related to a profitability improvement project in 2015. The Company engaged a consulting firm that specializes in the areas of expense rationalization and profit improvement for community banks. This firm completed a thorough analysis of our business operations and practices during the third quarter. As a result of this project, the firm provided the Company with recommendations to reduce expenses and improve future profitability. Many of their recommendations have been evaluated and already implemented with
further study being done on other recommendations scheduled for 2015. The Company expects that its payback on this project will be significant and presently believes that a minimum of $1 million of annual savings from this project will be realized in 2015. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This Form 10-K contains various forward-looking statements and includes assumptions concerning the Company&#146;s beliefs, plans, objectives, goals, expectations, anticipations, estimates, intentions, operations, future results, and prospects, including statements that include the words &#147;may,&#148; &#147;could,&#148; &#147;should,&#148; &#147;would,&#148; &#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;intend,&#148; &#147;project,&#148; &#147;plan&#148; or similar expressions. These forward-looking statements are based upon current expectations, are subject to risk and
uncertainties and are applicable only as of the dates of such statements. Forward-looking statements involve risks, uncertainties and assumptions. Although we do not make forward-looking statements unless we believe we have a reasonable basis for doing so, we cannot guarantee their accuracy. You should not put undue reliance on any forward-looking statements. These statements speak only as of the date of this Form 10-K, even if subsequently made available on our website or otherwise, and we undertake no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this Form 10-K. In connection with the &#147;safe harbor&#148; provisions of the Private Securities Litigation Reform Act of 1995, the Company provides the following cautionary statement identifying important factors (some of which are beyond the Company&#146;s control) which could cause the actual results or events to differ materially from those set forth in or implied by the
forward-looking statements and related assumptions. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Such factors include the following: (i) the effect of changing regional and national economic conditions; (ii) the effects of trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve; (iii) significant changes in interest rates and prepayment speeds; (iv) inflation, stock and bond market, and monetary fluctuations; (v) credit risks of commercial, real estate, consumer, and other lending activities; (vi) changes in federal and state banking and financial services laws and regulations; (vii) the presence in the Company&#146;s market area of competitors with greater financial resources
than the Company; (viii) the timely development of competitive new products and services by the Company and the acceptance of those products and services by customers and regulators (when required); (ix) the willingness of customers to substitute competitors&#146; products and services for those of the Company and vice versa; (x) changes in consumer spending and savings habits; (xi) unanticipated regulatory or judicial proceedings; (xii) increase in dividend rate on the SBLF Preferred Stock and/or the inability to receive regulatory approval to redeem all or a portion of the SBLF Preferred Stock; and (xiii) other external developments which could materially impact the Company&#146;s operational and financial performance. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The foregoing list of important factors is not exclusive, and neither such list nor any forward-looking statement takes into account the impact that any future acquisition may have on the Company and on any such forward-looking statement. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">34</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tQQDA"></a>ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, including interest rate, credit, and liquidity risk. The Company controls and monitors these risks with policies, procedures, and various levels of managerial and Board oversight. The Company&#146;s objective is to optimize profitability while managing and controlling risk within Board approved policy limits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets, liabilities, and hedges. The Company uses its asset liability management policy and hedging policy to control and manage interest rate risk. For information regarding the effect of changing interest rates on the Company&#146;s net interest income and market value of its investment portfolio, see &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as, the obligations to depositors, debtholders and to fund operating expenses. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. See &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Liquidity.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the ALL to control and manage credit risk. The Company&#146;s investment policy and hedging policy strictly limit the amount of credit risk that may be assumed in the investment portfolio and through hedging
activities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For information regarding the market risk of the Company&#146;s financial instruments, see &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; The Company&#146;s principal market risk exposure is to interest rates. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">35</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tFSSD"></a>ITEM 8. CONSOLIDATED FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCBS"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED BALANCE SHEETS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from depository institutions</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 23,780</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 20,288</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,952</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,140</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>32,872</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>30,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Held to maturity (fair value $20,213 at December 31, 2014 and $17,788 at December 31, 2013)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,051</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>827,634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>783,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>581</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>817,457</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>773,242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment, net</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,012</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,119</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,944</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,548</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,048</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,677</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Reserve Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,712</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,089,263</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,056,036</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 167,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 154,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>702,330</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>700,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>869,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>854,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>93,965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>79,640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>11,010</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>974,856</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>942,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2014 and 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,412,007 shares issued and 18,794,888 shares outstanding on December 31, 2014; 26,402,007 shares issued and 18,784,188 shares outstanding on December 31, 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Treasury stock at cost, 7,617,819 shares on December 31, 2014 and 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(74,829</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(74,829</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Capital surplus</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,190</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Retained earnings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>29,618</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accumulated other comprehensive loss, net</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(6,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>114,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>113,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,089,263</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,056,036</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">36</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSO"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF OPERATIONS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest and fees on loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 36,285</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 35,063</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 34,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,528</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>559</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>508</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,441</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,889</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>333</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,397</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net Interest Income after Provision (credit) for Loan Losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>33,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>33,961</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>32,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust and investment advisory fees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,765</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service charges on deposit accounts</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,089</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mortgage related fees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>590</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>773</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized gains on investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>177</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>998</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,338</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,323</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,115</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,424</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net occupancy expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,964</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,937</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equipment expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Professional fees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,409</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Supplies, postage, and freight</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>830</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Miscellaneous taxes and insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,174</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,439</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal deposit insurance expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>636</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill impairment charge</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,906</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,073</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>43,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>42,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">37</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF OPERATIONS&nbsp;&#150;&nbsp;(continued) </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PRETAX INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,621</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">38</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCI"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive loss, before tax:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation change for defined benefit plan</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,770</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>943</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,340</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>724</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized holding gains (losses) on available for sale securities arising during period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,391</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(466</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(474</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,526</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reclassification adjustment for net realized gains on available for sale securities included in net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(177</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,027</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,996</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 4,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">39</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCS"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS&#146; EQUITY </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PREFERRED STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMMON STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>TREASURY STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(74,829</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(73,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(69,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Treasury stock, purchased at cost (384,000 and 1,757,800 shares in 2013 and 2012, respectively)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,171</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(74,829</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(74,829</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CAPITAL SURPLUS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,061</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>New common shares issued for exercise of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stock option expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>145,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,190</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RETAINED EARNINGS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>27,557</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividend declared on common stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(752</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash dividend declared on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>29,618</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>27,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED OTHER COMPREHENSIVE LOSS, NET<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,875</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,027</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(6,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>114,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>113,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">40</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCF"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF CASH FLOWS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="388"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustments to reconcile net income to net cash provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Depreciation and amortization expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,836</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net amortization of investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>385</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>755</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized gains on investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(177</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,089</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of deferred loan fees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Origination of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(51,481</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(60,826</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(76,688</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Sales of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,580</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,089</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>74,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease (increase) in accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(219</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(78</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(299</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings on bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deferred income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>562</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>88</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill impairment charge</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in prepaid Federal Deposit Insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>370</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other, net</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,179</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by operating activities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,962</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,854</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,212</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12,218</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(50,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,093</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,987</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22,900</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,390</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sales of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,242</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(9,817</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from redemption of regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,446</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,367</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Long-term loans originated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(177,351</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(205,549</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(232,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal collected on long-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>130,476</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>146,720</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Participations purchased</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,347</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(12,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,492</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Participations sold</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in other short-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,558</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(679</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,720</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,647</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sale of other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>946</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from life insurance policies</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>356</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash used in investing activities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(30,894</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(66,301</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(32,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in deposit balances</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,329</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (decrease) increase in other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,675</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal borrowings on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal repayments on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(14,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock dividend paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock dividend paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(752</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,171</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by financing activities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>28,738</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>54,693</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,806</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,246</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 32,872</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 30,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">41</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BUSINESS AND NATURE OF OPERATIONS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tNCFS"></a>AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 17 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.8 billion that are not recognized on the Company&#146;s Consolidated Balance Sheet at December 31, 2014. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRINCIPLES OF CONSOLIDATION: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#146;s most significant estimates relate to the
allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENT SECURITIES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities are classified at the time of purchase as investment securities held to maturity if it is management&#146;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#146;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#146;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the
securities as part of the Company&#146;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#146; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a
result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">42</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FEDERAL HOME LOAN BANK STOCK: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#146;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will
ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are
received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOAN FEES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS HELD FOR SALE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#146;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TRANSFERS OF FINANCIAL ASSETS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PREMISES AND EQUIPMENT: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are
incurred. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">43</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&nbsp;&#151;&nbsp;</TD>

          <TD STYLE="text-align: justify">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&#146;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan. </TD>

</TR>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&nbsp;&#151;&nbsp;</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&nbsp;&#151;&nbsp;</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#146;s three-year historical average of actual loan net charge-offs experienced in each of those categories. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&nbsp;&#151;&nbsp;</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">&nbsp;&#151;&nbsp;</TD>

          <TD STYLE="text-align: justify">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">44</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the
unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TRUST FEES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Trust fees are recorded on the cash basis which approximates the accrual basis for such income. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BANK-OWNED LIFE INSURANCE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTANGIBLE ASSETS: </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#146;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EARNINGS PER COMMON SHARE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase 3,625, 103,570, and 49,842 shares of common stock were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock
outstanding were $4.60&nbsp;&#150;&nbsp;$5.22, $3.05&nbsp;&#150;&nbsp;$5.75, and $2.80&nbsp;&#150;&nbsp;$5.75 during 2014, 2013 and 2012, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">45</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Numerator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Denominator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (basic)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Effect of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>115</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (diluted)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>18,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Earnings per common share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STOCK-BASED COMPENSATION: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $42,000, $82,000 and $38,000 of pretax compensation expense for the years 2014, 2013 and 2012. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCUMULATED OTHER COMPREHENSIVE LOSS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED STATEMENT OF CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $1,063,000 in income tax payments in 2014; $137,000 in 2013; and $142,000 in 2012. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $660,000 in 2014; $766,000 in 2013; and $1,266,000 in 2012. The Company made total interest payments of $6,475,000 in 2014; $6,781,000 in 2013; and $8,154,000 in 2012. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME TAXES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTEREST RATE CONTRACTS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &#147;Other Comprehensive Income,&#148; net of deferred taxes and are subsequently </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">46</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company&#146;s pension
obligations and future expense. Our pension benefits are described further in Note 12 of the Notes to Consolidated Financial Statements. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FAIR VALUE OF FINANCIAL INSTRUMENTS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level I&nbsp;&#151;&nbsp;Valuation is based upon quoted prices for identical instruments traded in active markets. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level II&nbsp;&#151;&nbsp;Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level III&nbsp;&#151;&nbsp;Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company&#146;s own estimates of assumptions that market participants would use in pricing the asset. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation
techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">47</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RECENT ACCOUNTING STANDARDS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In January 2014, the FASB issued ASU 2014-04, <I>Receivables&nbsp;&#151;&nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. </I>The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower
conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&#146;s financial statements. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;CASH AND DUE FROM DEPOSITORY INSTITUTIONS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Included in &#147;Cash and due from depository institutions&#148; are required federal reserves of $2,000 and $61,000 at December 31, 2014 and 2013, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The cost basis and fair values of investment securities are summarized as follows: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="274"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST<BR> BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,906</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,497</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(122</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,436</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>102,888</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,197</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(317</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>105,768</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>124,316</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,279</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(485</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">48</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="274"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST<BR> BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,481</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>395</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,826</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,364</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,414</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(28</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,973</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>475</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>20,213</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="274"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST<BR> BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>121,480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,227</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>123,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>140,398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="274"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST<BR> BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS<BR> UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,483</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,401</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(688</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>17,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Maintaining investment quality is a primary objective of the Company&#146;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&#146;s Investors Service or Standard &amp; Poor&#146;s rating of A. At December 31, 2014, 84.1% of the portfolio was rated AAA as compared to 89.0% at December 31, 2013. 3.8% of the portfolio was rated below A or unrated on December 31, 2014. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&#146; equity at
December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $104,780,000 at December 31, 2014 and $110,780,000 at December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company realized $182,000 of gross investment security gains and $5,000 of gross investment security losses in 2014 and $289,000 of gross investment security gains and $85,000 of investment security losses in 2013, and $12,000 of gross investment gains and no investment security losses in 2012. On a net basis, the realized gain for 2014 was $117,000 after factoring in tax expense of $60,000 and the realized gain for 2013 was $135,000 after factoring in tax expense of $69,000, and the realized gain for 2012 was $8,000 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">49</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">after factoring in tax expense of $4,000. Proceeds from sales of investment securities available for sale were $5.2 million for 2014, $11.2 million for 2013, and $4.2 million during 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2014. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&#146;s consolidated investment securities portfolio had an effective duration of approximately 2.95 years.<B> </B>The weighted average expected maturity for available for sale securities at December 31, 2014 for U.S. Agency, U.S. Agency Mortgage-Backed and
Corporate Bond securities was 2.95, 4.25 and 4.85 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2014 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 6.37 and 5.78 years. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="117"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="32"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="42"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=31>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S.<BR> AGENCY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY<BR> MORTGAGE-<BR>BACKED SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE<BR> BONDS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL<BR> INVESTMENT<BR> SECURITIES<BR> AVAILABLE<BR> FOR SALE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=31><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.38</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,696</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,999</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.75</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,626</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.96</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,340</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,498</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,838</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>56,783</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>56,783</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>34,069</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>34,069</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.48</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>102,888</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>15,497</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>124,316</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,013</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,013</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,893</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,791</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,675</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,671</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,445</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,116</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>58,141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>58,141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>35,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>35,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,906</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>105,768</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>15,436</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">50</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY<BR> MORTGAGE-<BR>BACKED<BR> SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE<BR>BONDS<BR>AND<BR>OTHER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL<BR> INVESTMENT<BR> SECURITIES<BR> HELD TO<BR> MATURITY</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.40</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.63</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,522</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.45</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.49</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>11,868</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,48</B>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.20</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,359</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.96</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.11</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>868</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,799</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,140</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,140</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>12,302</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,826</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,387</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>20,213</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B></B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2014 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Total investment securities:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>996</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,858</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 3,854</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> (46)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,826</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,408</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(354</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,234</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(367</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>988</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(23</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,891</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(107</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>11,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>6,932</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (61)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>33,145</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(526</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 40,077</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (587)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Total investment securities:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED<BR> LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,704</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>891</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>891</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,687</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,644</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 66,553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (2,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,564</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(108</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 71,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (2,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">51</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 38 positions that are considered temporarily impaired at December 31, 2014. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest
payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;LOANS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>411,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>258,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>235,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 827,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 783,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan balances at December 31, 2014 and 2013 are net of unearned income of $554,000 and $581,000, respectively. Real estate construction loans comprised 3.5% and 3.0% of total loans net of unearned income at December 31, 2014 and 2013, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2014 and 2013, loans to customers engaged in similar activities and having similar economic characteristics, as defined by
standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&#146;s lending occurs within a 250 mile radius of the Johnstown market. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&#146;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $847,000 and $853,000 at December 31, 2014 and 2013, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="205"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="85"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR>OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION<BR> (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2014</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(172</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> </B>449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(708</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(506</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->)&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(322</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>71</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>301</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(20</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,323</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">52</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="205"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="85"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2012</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION<BR> (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2013</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 218</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,777</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>219</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(2,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="205"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="85"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2011</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION<BR> (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT<BR> DECEMBER 31,<BR> 2012</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(654</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2014. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The positive provision for loan losses in commercial and real-estate mortgage loans was needed to support the loan growth experienced in these categories during 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL<BR> LOANS<BR> SECURED BY<BR> REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE-<BR> MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>409,340</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>258,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>826,091</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>410,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>258,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>827,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="129"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Allowance for loan losses:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL<BR> LOANS SECURED BY<BR> REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE-<BR> MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><B>CONSUMER</B></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION<BR> FOR GENERAL<BR> RISK</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><B>TOT</B>AL</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve<BR> allocation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve<BR> allocation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,382</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,103</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">53</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="610" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Loans:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS<BR> SECURED BY<BR> REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,005</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>408,686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>235,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>780,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>411,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>235,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>15,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>783,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="129"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Allowance for loan losses:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL<BR> LOANS<BR> SECURED BY<BR> REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION FOR GENERAL RISK</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve<BR> allocation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>813</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve<BR> allocation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,073</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,291</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The segments of the Company&#146;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&#146;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining
portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans secured by residential real estate. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting
scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; (b) the loan&#146;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">54</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#146;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&#146;s internal Assigned Risk Department to support the
value of the property. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&#146;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the passage of time; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the volatility of the local market; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the availability of financing; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">natural disasters; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the inventory of competing properties; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">environmental contamination. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&#146;s Assigned Risk Department personnel rests
with the Assigned Risk Department and not the originating account officer. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">55</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH<BR> SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED<BR> LOANS WITH<BR> NO SPECIFIC<BR> ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED<BR> INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED<BR> ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED<BR> INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED<BR> INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID<BR> PRINCIPAL<BR> BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B> 520</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B> 989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,069</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 520</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 989</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,069</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH<BR> SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED<BR> LOANS WITH<BR> NO SPECIFIC<BR> ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID PRINCIPAL BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,005</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,005</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 813</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,179</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average impaired balance:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,756</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,459</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,754</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Average investment in impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,756</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income recognized:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income recognized on a cash basis on impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five &#147;Pass&#148; categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a
Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">56</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&#146;s commercial relationship
managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&#146;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board&#146;s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2014 required review of a minimum range of 50% to 55% of the commercial loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&#146;s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets monthly to monitor the status of problem loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL<BR> MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>132,665</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>161</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>406,195</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>620</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,238</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>276</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>410,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>538,860</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>781</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,402</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>412</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>549,455</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">DECEMBER 31, 2013</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL<BR> MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>108,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,599</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>396,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,961</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>411,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>505,411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>15,841</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,081</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>531,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal
and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands). </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">57</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="616" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>257,199</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>276,208</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>234,450</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>250,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59<BR> DAYS PAST<BR> DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89<BR> DAYS PAST<BR> DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS<BR> PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS<BR> PAST DUE<BR> AND STILL<BR> ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 139,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,049</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>255,021</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,196</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>332</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,067</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,595</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>258,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>18,927</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>82</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>19,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>823,123</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,550</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 340</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,067</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 3,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 827,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59<BR> DAYS PAST<BR> DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89<BR> DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS<BR> PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE AND STILL ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 120,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>410,619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>457</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,072</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>411,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>231,740</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,232</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,047</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,949</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>235,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,804</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>778,265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,081</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 783,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An allowance for loan losses (&#147;ALL&#148;) is maintained to absorb losses from the loan portfolio. The ALL is based on management&#146;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">58</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer and residential mortgage portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer and residential mortgage portfolios are based on a three year historical average of actual loss experience. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume,
experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&#146;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&#146;s management to establish allocations which accommodate each of the listed risk factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&#147;Pass&#148; rated credits are segregated from &#147;Criticized&#148; and &#147;Classified&#148; credits for the application of qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as TDR and (iv) OREO (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets). </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning non-performing assets including TDR: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 778</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,632</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,195</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,871 </TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">59</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS &nbsp;&#150;&nbsp;(continued)</H2>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>344</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>128</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>673</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company had no loans past due 90 days or more for the periods presented which were accruing interest. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&#146;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&#146;s objective in offering a TDR is to increase the probability of repayment of the borrower&#146;s loan. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To be considered a TDR, <U>both</U> of the following criteria must be met:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower must be experiencing financial difficulties; <U>and</U></TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the Bank, for economic or legal reasons related to the borrower&#146;s financial difficulties, grants a concession to the borrower that would not otherwise be considered. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is currently in default on their loan(s);</TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower has filed for bankruptcy;</TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower has insufficient cash flows to service their loan(s); <U>and</U></TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate that a concession has been granted include, but are not limited to:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; <U>or</U> </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">60</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&#146;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Any loan modification where the borrower&#146;s aggregate exposure is at least $250,000 and</U> where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR&#146;s was $520,000 and $344,000 as of December 31, 2014 and 2013, respectively. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2014 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2013 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2012 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,772</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>169</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of six consecutive payments in
accordance with the terms of the loan. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">61</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the recorded investment in loans that were modified as TDR&#146;s in the previous 12 months and defaulted during these reporting periods (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="400"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><U>Recorded investment of defaults</U><BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. All TDRs which defaulted in the above table had a related allowance adequate to reserve for anticipated losses. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. OREO is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="400"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with original terms</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>178</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 178</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">7.&nbsp;&nbsp;PREMISES AND EQUIPMENT </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An analysis of premises and equipment follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Land</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,198</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,208</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,175</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Furniture and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,337</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,912</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Leasehold improvements</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total at cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,399</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Accumulated depreciation and amortization</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,387</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,556</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net book value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,012</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 13,119</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded depreciation expense of $1.8 million and $1.7 million for the years 2014 and 2013, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">62</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of the Company&#146;s deposits: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 167,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 154,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>89,676</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>90,020</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>221,378</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>219,801</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,529</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>250,727</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>260,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 869,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 854,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest expense on deposits consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><B>2013</B></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><B>2012</B></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>144</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000<BR> or more</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>268</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>435</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,525</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 4,889</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2014 maturing in the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER<BR> TIME<BR> DEPOSITS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CERTIFICATES<BR> OF DEPOSIT<BR> OF $100,000<BR> OR MORE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>130,090</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 41,582</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,472</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,230</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,515</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,424</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>200</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2019</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2020 and after</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>37,033</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>250,727</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>50,529</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2014, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="445"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>MATURING IN:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(IN THOUSANDS)</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Three months or less</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over three through six months</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,171</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over six through twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,928</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,947</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>50,529</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">63</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the FDIC insurance limit at December 31, 2014 and 2013 are $65.2 million and $61.0 million, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">9.&nbsp;&nbsp;SHORT-TERM BORROWINGS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL<BR> FUNDS<BR> PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM<BR> BORROWINGS<BR></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47,762</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,783</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year-end balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL<BR> FUNDS<BR> PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM<BR> BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>959</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year-end balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL<BR> FUNDS<BR> PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER<BR> SHORT-TERM<BR> BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,755</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year-end balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at the end of 2014, 2013 and 2012. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">64</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Advances from the FHLB consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED<BR> AVERAGE<BR> YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE<BR></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.51</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2019</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total advances from FHLB</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.12</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>42,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED<BR> AVERAGE<BR> YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total advances from FHLB</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.89</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>25,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate and certain types of CRE. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and CRE loans with an aggregate statutory value equal to the amount of the advances, are pledged as
collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2014, the Company had immediately available $347 million of overnight borrowing capability at the FHLB and $39 million of unsecured federal funds lines with correspondent banks. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Guaranteed Junior Subordinated Deferrable Interest Debentures: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by the Company. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $209,000 as of December 31, 2014
and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2014 and 2013 was $13.1 million. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">65</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level I:&nbsp;&nbsp;Quoted prices are available in active markets for identical assets or liabilities as of the reported date. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level II:&nbsp;&nbsp;Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level III:&nbsp;&nbsp;Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&#146;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2014 and 2013, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets and Liability Measured on a Recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets and liability measured at fair value on a recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,906</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,906</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>105,768</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>105,768</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,436</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,436</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">66</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets Measured on a Non-recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets measured at fair value on a non-recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>469</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>469</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2014, impaired loans with a carrying value of $989,000 were reduced by specific valuation allowance totaling $520,000 resulting in a net fair value of
$469,000. At December 31, 2013, impaired loans with a carrying value of $3.1 million were reduced by specific valuation allowance totaling $813,000 resulting in a net fair value of $2.3 million. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="129"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="161"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="144"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="98"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Quantitative Information About Level 3 Fair Value Measurements</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>December 31, 2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Valuation Techniques</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unobservable Input</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range (Wgtd Ave)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>469</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>&#040;1&#041;</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal<BR> adjustments<sup>&#040;2&#041;</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>0% to 37%(30&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1% to 15%(10&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1),(3)</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>47% to 83%(55&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1% to 61%(9&#37;&#41;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="129"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="161"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="144"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="98"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Quantitative Information About Level 3 Fair Value Measurements</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>December 31, 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Valuation Techniques</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unobservable Input</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range (Wgtd Ave)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>0% to 37%(30&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1% to 15%(10&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1),(3)</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>31% to 48%(38&#37;&#41;<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1% to 20%(10&#37;&#41;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: justify">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(3)</TD>

          <TD STYLE="text-align: justify">Includes qualitative adjustments by management and estimated liquidation expenses. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">67</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&#146;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair values have been determined by the Company using independent third party valuations that uses<B> </B>best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2014 and 2013, were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="245"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,872</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,872</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 32,872</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>127,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,213</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,972</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,051</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>817,457</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>819,935</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>819,935</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>37,417</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>568,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>568,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>568,625</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>301,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>304,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>304,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>59,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>59,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,706</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,706</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,706</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="245"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>At December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 30,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,966</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,453</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,453</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>773,242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>771,460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>771,460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151; </TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">68</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="245"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>At December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>546,384</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>546,384</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>546,384</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>308,138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>313,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>313,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period). </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&#146;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">69</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The expense for income taxes is summarized below: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Current</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>562</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The reconciliation between the federal statutory tax rate and the Company&#146;s effective consolidated income tax rate is as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax expense based on federal statutory rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34.0</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,544</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,475</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(274</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5.9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(359</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>301</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6.5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total expense for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>34.6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="402"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,272</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,437</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unfunded commitment reserve</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>300</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,433</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,358</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,462</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net operating loss carryforwards</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>242</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Alternative minimum tax credits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>349</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,774</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment accretion</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized investment security gains</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(950</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(545</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(251</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,226</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(872</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,548</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2014 and 2013, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and alternative minimum tax (AMT) credits. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">70</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The change in net deferred tax assets and liabilities consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains recognized in comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(404</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation of the defined benefit plan not yet recognized in income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>942</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,340</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(562</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net decrease</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has AMT credit carryforwards of approximately $2.8 million at December 31, 2014. These credits have an indefinite carryforward period. The Company also has a $713,000 net operating loss carryforward that will begin to expire in the year 2025. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being
realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&#146;s federal and state income tax returns for taxable years through 2010 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION PLANS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&#146;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will
remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of the Company&#146;s common stock valued at $651,000 and is limited to 10% of the plan&#146;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2014. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">71</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION BENEFITS: </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit obligation at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,249</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,601</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actuarial (gain) loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,406</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(757</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Curtailments</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>328</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Special/contractual termination benefits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>376</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(3,627</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,730</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefit obligation at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>33,701</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>30,249</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN PLAN ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,288</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actual return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,056</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Employer contributions</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,650</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(3,627</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,730</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>27,367</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,288</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Funded status of the plan&nbsp;&#150;&nbsp;under funded</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(6,334</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,961</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amounts recognized in accumulated other comprehensive loss consists of:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>12,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Accumulated benefit obligation</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>30,914</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>27,566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine benefit obligations at December 31, 2014 and 2013 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salary scale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">72</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="326"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPONENTS OF NET PERIODIC BENEFIT COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,601</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,593</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,234</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,656</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of prior year service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Special termination benefit liability</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>376</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,094</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net periodic pension cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,516</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="326"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (gain) loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,094</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net initial asset</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in other comprehensive loss before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,507</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in net benefit cost and other comprehensive loss before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,547</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $1,261,000. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="326"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate of compensation increase</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">73</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&#146;s historical investment performance over a longer-term period of 15 years combined with the plan&#146;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PLAN ASSETS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The plan&#146;s measurement date is December 31, 2014. This plan&#146;s asset allocations at December 31, 2014 and 2013, by asset category are as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="437"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSET CATEGORY:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The major categories of assets in the Company&#146;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 1:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>639</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,753</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,782</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 2:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,342</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>27,367</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>26,288</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or American Depository Receipts which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective
investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate
40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">74</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">market value of the plan assets (at December 31, 2014, 2.4% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presently expects that the contribution to be made to the Plan in 2015 will be approximately $2.5 million. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ESTIMATED FUTURE BENEFIT PAYMENTS: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following benefit payments, which reflect future service, as appropriate, are expected to be paid. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ESTIMATED FUTURE BENEFIT PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,939</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2019</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,573</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Years 2020&nbsp;&#150;&nbsp;2024</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">401(k) PLAN: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 6% of contribution up to a
maximum of 3%. Effective January 1, 2014, any new union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match dollar for dollar up to a maximum of 4%. Contributions by the Company charged to operations were $387,000 and $327,000 for the years ended December 31, 2014 and 2013, respectively. The fair value of plan assets includes $1.1 million pertaining to the value of the Company&#146;s common stock and Trust Preferred securities that are held by the plan at December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15.&nbsp;&nbsp;LEASE COMMITMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s obligation for future minimum lease payments on operating leases at December 31, 2014, is as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FUTURE MINIMUM LEASE PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>426</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2019</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2020 and thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,561</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">75</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15.&nbsp;&nbsp;LEASE COMMITMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $732,000, $764,000 and $785,000, in 2014, 2013, and 2012, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16.&nbsp;&nbsp;COMMITMENTS AND CONTINGENT LIABILITIES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may
require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#146;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&#146;s commercial loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2014, the Company had various outstanding commitments to extend credit approximating $188.0 million and standby letters of credit of $7.2 million, compared to commitments to extend credit of $146.0 million and standby letters of credit of $13.2 million at December 31, 2013.
Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available.<B> </B>Standby letters of credit of approximately $3.3 million were secured as of December 31, 2014 and approximately $3.9 million at December 31, 2013. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $882,000 at December 31, 2014 and $776,000 at December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse
effect on the Company&#146;s consolidated financial position, results of operation or cash flows. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">76</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SBLF: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified
outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of &#147;qualified small business lending&#148; (&#147;QSBL&#148;) by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the &#147;Baseline&#148;) as
follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="384" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="112"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DIVIDEND PERIOD ANNUALIZED</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=1>ANNUALIZED DIVIDEND RATE</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BEGINNING</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>ENDING</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>August 11, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">February 7, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 7.0%<sup>&#040;1&#041;</sup></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>February 8, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">Redemption</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">9.0%<sup>&#040;2&#041;</sup></TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Between January 1, 2014 and February 7, 2016, the Company&#146;s dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: justify">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital
as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the &#147;Tier 1 Dividend Threshold&#148;). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">77</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18.&nbsp;&nbsp;STOCK COMPENSATION PLANS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified prospective method for accounting for stock-based compensation and recognized $42,000 of pretax compensation expense for the year 2014, $82,000 in 2013 and $38,000 in 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Company&#146;s Board adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board. The option price at which a granted stock option may be exercised was not less than 100% of the fair market value
per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A summary of the status of the Company&#146;s Stock Incentive Plan at December 31, 2014, 2013, and 2012, and changes during the years then ended is presented in the table and narrative following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>487,349</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>398,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>313,612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>115,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,445</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(10,700</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Forfeited</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(31,740</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.08</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(77,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Outstanding at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>559,909</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>487,349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>398,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>2.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercisable at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>330,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>257,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,624</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average fair value of options granted in current year</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.85</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A total of 330,822 of the 559,909 options outstanding at December 31, 2014, are exercisable and have exercise prices between $1.53 and $5.22, with a weighted average exercise price of $2.36 and a weighted average remaining contractual life of 6.10 years. All of these options are exercisable. The remaining 229,087 options that are not yet exercisable have exercise prices between $2.57 and $3.23, with a weighted average exercise price of $3.09 and a weighted average remaining contractual life of 8.63<B> </B>years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model
with the following assumptions used for grants in 2014, 2013, and 2012. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BLACK-SCHOLES ASSUMPTION RANGES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><B>2014</B></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Risk-free interest rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>2.43&nbsp;&#150;&nbsp;2.74&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>1.82&nbsp;&#150;&nbsp;2.03&#37;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>1.66&nbsp;&#150;&nbsp;2.28&#37;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected lives in years</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected volatility</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>28&nbsp;&#150;&nbsp;29%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>30&nbsp;&#150;&nbsp;32&#37;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>33&nbsp;&#150;&nbsp;36&#37;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected dividend rate</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.25&nbsp;&#150;&nbsp;1.30&#37;</B>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.30&#37;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0&#37;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">78</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19.&nbsp;&nbsp;ACCUMULATED OTHER COMPREHENSIVE LOSS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the periods ending December 31, 2014 and 2013 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="165"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDING DECEMBER 31, 2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDING DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net Unrealized Gains and Losses on Investment Securities AFS<BR> <sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Defined Benefit Pension Items<BR> <sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR><sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net Unrealized Gains and Losses on Investment Securities AFS<BR> <sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Defined Benefit Pension Items<BR> <sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR><sup>&#040;1&#041;</sup></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Beginning balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,043</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6,918</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,875</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,141</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss) before reclassifications</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,354</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,437</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Amounts reclassified from accumulated other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(117</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>527</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net current period other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>800</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,827</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,027</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,098</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Ending balance</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,843</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(8,745</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(6,902</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,043</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(6,918</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Amounts in parentheses indicate debits on the Consolidated Balance Sheets. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2014 and 2013 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="207"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Amount reclassified from<BR> accumulated other comprehensive<BR> loss<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Details about accumulated other<BR> comprehensive loss components</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YEAR ENDING DECEMBER 31, 2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YEAR ENDING DECEMBER 31, 2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Affected line item in the<BR> statement of operations</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains and losses on<BR> sale of securities<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(177</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Net realized gains on investment securities</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(117</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net of tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of defined benefit items<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>799</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Pretax income</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(272</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>527</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total reclassifications for the period</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Amounts in parentheses indicate credits. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: justify">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details). </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">79</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20.&nbsp;&nbsp;INTANGIBLE ASSETS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite life and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&#146;s goodwill of $11.9 million, $9.5 million is allocated to the retail banking segment and $2.4 million relates to the WCCA acquisition which is included in the trust segment. In the third quarter of 2014, the Company performed a
goodwill impairment test and determined that the fair value of WCCA was less than its carrying value and, accordingly, recorded an impairment charge of $669,000. The goodwill impairment charge was the result of a reduction in earnings power caused by the departure of WCCA&#146;s former CEO and subsequent loss of a meaningful number of clients. A reconciliation of the Company&#146;s goodwill follows (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at January 1</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Goodwill impairment charge</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at December 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>11,944</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21.&nbsp;&nbsp;DERIVATIVE HEDGING INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the interest rate swap transactions that impacted the Company&#146;s 2013 performance: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>START DATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MATURITY DATE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HEDGE TYPE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTIONAL AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE RECEIVED</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE PAID</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REPRICING FREQUENCY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INCREASE (DECREASE) IN INTEREST EXPENSE</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>165,488</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(165,488</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&#146;s major business units include retail banking, commercial banking, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent
business segment. The key performance measure the Company focuses on for each business segment is net income contribution. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">80</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and CRE loans. The trust segment contains our wealth management businesses which include the Trust Company, WCCA, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial
services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The contribution of the major business segments to the Consolidated Results of Operations were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,777</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,921</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,633</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>381</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,118</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,323</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>22,531</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,868</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,967</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,005</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>43,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,186</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,972</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,198</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,621</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>958</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,819</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,153</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>564</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(3,922</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>376,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>563,690</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,015</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>144,549</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,089,263</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,687</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,084</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,008</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>642</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,391</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>42,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,821</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,485</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,166</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,661</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,792</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,023</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>347,823</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>545,556</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>157,935</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,056,036</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">81</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,565</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,970</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,387</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,508</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,389</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,648</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>336,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>497,331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>162,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#146;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&#146;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can
initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&#146;s financial statements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2014 and 2013, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and
Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&#146;s tangible common equity ratio was 7.56% and 7.64% for 2014 and 2013, respectively. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="176"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2014</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>131,497</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14.80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>71,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>88,833</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>%</B>&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>106,084</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>70,305</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13.62</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,533</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>53,300</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>95,579</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,153</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>52,729</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.34</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42,662</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>53,327</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>95,579</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,608</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>52,010</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">82</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="176"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>128,469</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>67,247</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84,059</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>103,009</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,624</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>50,435</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets) Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>50,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed
discussion see the Capital Resources section of the MD&amp;A. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations: </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BALANCE SHEETS </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,784</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,561</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,714</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,909</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100,473</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,685</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,321</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debenture issuance costs</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>209</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,698</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>128,663</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>127,717 </TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">83</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,171</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>114,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>113,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>128,663</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>127,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;STATEMENTS OF OPERATIONS </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Inter-entity management and other fees</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,432</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,355</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,355</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>870</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>710</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest and dividend income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>262</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,064</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,773</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>11,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,576</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,996</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,693</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,071</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(629</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,542</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,020</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,632</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,996</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">84</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STATEMENTS OF CASH FLOWS </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="388"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2014</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustment to reconcile net income to net cash (used in) provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,632</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other&nbsp;&#150;&nbsp;net</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(505</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(718</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(989</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(72</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,801</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,027</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,077</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from maturity of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,284</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,809</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH PROVIDED BY (USED IN) INVESTING<BR> ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>257</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,171</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock dividends paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Common stock dividends paid</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(752</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH USED IN FINANCING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(962</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(777</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT --><B>)</B>&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>476</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,661</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,884</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,661</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&#146;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&#146;s retained net income for the current and preceding two calendar years. Cash may also be
upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $105,400,000 of restricted surplus and retained earnings at December 31, 2014. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">85</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25.&nbsp;&nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (unaudited) </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2014 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,344</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,019</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,983</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,095</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,612</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,599</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,570</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,732</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,403</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,525</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision for loan<BR> losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,357</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,403</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,525</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,560</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,593</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,638</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,532</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,770</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>11,243</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,620</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,738</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,147</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>753</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,402</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,319</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>388</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>423</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>389</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>749</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>365</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>930</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.02</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.02</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2013 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,627</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,702</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,042</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,292</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,986</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,816</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,413</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,442</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,773</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,504</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,486</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>878</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>547</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>430</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,841</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,070</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,056</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">86</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRIRP"></a>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Shareholders<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited the accompanying consolidated balance sheets of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2014 and 2013, and the related consolidated statements of operations, comprehensive income, changes in stockholders&#146; equity, and cash flows for each of the three years in the period ended December 31, 2014. These consolidated financial statements are the responsibility of AmeriServ Financial, Inc.&#146;s management. Our responsibility is to express an opinion on these financial statements based on our audits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a
reasonable basis for our opinion. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2014 and 2013, and the results of their operations and their cash flows for each of the three years in the period ended December 31, 2014, in conformity with U.S. generally accepted accounting principles. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), AmeriServ Financial, Inc. and subsidiaries&#146; internal control over financial reporting as of December 31, 2014, based on criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework </I>issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013, and our report dated March 6, 2015 expressed an unqualified opinion on the effectiveness of AmeriServ Financial, Inc. and subsidiaries internal control over financial reporting. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ S.R. Snodgrass, P.C.<BR> Wexford, Pennsylvania<BR> March 6, 2015 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">87</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRIR"></a>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM ON<BR> INTERNAL CONTROL OVER FINANCIAL REPORTING </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Shareholders<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited AmeriServ Financial, Inc. and subsidiaries&#146; internal control over financial reporting as of December 31, 2014, based on criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework </I>issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013. AmeriServ Financial, Inc. and subsidiaries&#146; management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Report on Management&#146;s Assessment of Internal Control
Over Financial Reporting. Our responsibility is to express an opinion on the company&#146;s internal control over financial reporting based on our audit. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures
as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A company&#146;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#146;s internal control over financial reporting includes those policies and procedures that (a) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (b) provide reasonable assurance that transactions are recorded as necessary
to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (c) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#146;s assets that could have a material effect on the financial statements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, AmeriServ Financial, Inc. and subsidiaries maintained, in all material respects, effective internal control over financial reporting as of December 31, 2014, based on criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework </I>issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated balance sheets of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2014 and 2013, and the related consolidated statements of operations, comprehensive income, changes in stockholders&#146; equity, and cash flows for each of the three years in the period ended December 31, 2014 and our report dated March 6, 2015 expressed an unqualified opinion. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ S.R. Snodgrass, P.C.<BR> Wexford, Pennsylvania<BR> March 6, 2015 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">88</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRMA"></a>REPORT ON MANAGEMENT&#146;S ASSESSMENT OF<BR> INTERNAL CONTROL OVER FINANCIAL REPORTING </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We, as management of AmeriServ Financial, Inc., are responsible for establishing and maintaining effective internal control over financial reporting that is designed to produce reliable financial statements in conformity with United States generally accepted accounting principles. The system of internal control over financial reporting as it relates to the financial statements is evaluated for effectiveness by management and tested for reliability through a program of internal audits. Actions are taken to correct potential deficiencies as they are identified. Any system of internal control, no matter how well designed, has
inherent limitations, including the possibility that a control can be circumvented or overridden and misstatements due to error or fraud may occur and not be detected. Also, because of changes in conditions, internal control effectiveness may vary over time. Accordingly, even an effective system of internal control will provide only reasonable assurance with respect to financial statement preparation. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management assessed the Company&#146;s system of internal control over financial reporting as of December 31, 2014, in relation to criteria for effective internal control over financial reporting as described in &#147;2013 Internal Control&nbsp;&#151;&nbsp;Integrated Framework,&#148; issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on this assessment, management concludes that, as of December 31, 2014, its system of internal control over financial reporting is effective and meets the criteria of the &#147;2013 Internal Control&nbsp;&#151;&nbsp;Integrated Framework&#148;. S.R. Snodgrass,
P.C., independent registered public accounting firm, has issued an audit report on the effectiveness of the Company&#146;s internal control over financial reporting as of December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management is responsible for compliance with the federal and state laws and regulations concerning dividend restrictions and federal laws and regulations concerning loans to insiders designated by the Federal Reserve as safety and soundness laws and regulations. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management has assessed compliance by the Company with the designated laws and regulations relating to safety and soundness. Based on the assessment, management believes that the Company complied, in all significant respects, with the designated laws and regulations related to safety and soundness for the year ended December 31, 2014. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Interim President &amp;<BR> Chief Executive Officer</TD>

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          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ MICHAEL D. LYNCH<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Michael D. Lynch<BR> Senior Vice President &amp;<BR> Interim Chief Financial Officer</TD>

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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Johnstown, PA<BR> March 6, 2015 </P>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">89</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSMR"></a>STATEMENT OF MANAGEMENT RESPONSIBILITY </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">February 19, 2015<BR>&nbsp;<BR> To the Stockholders and<BR> Board of Directors of<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management of AmeriServ Financial, Inc. and its subsidiaries have prepared the consolidated financial statements and other information in the Annual Report and Form 10-K in accordance with United States generally accepted accounting principles and are responsible for its accuracy. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In meeting its responsibility, management relies on internal accounting and related control systems, which include selection and training of qualified personnel, establishment and communication of accounting and administrative policies and procedures, appropriate segregation of responsibilities, and programs of internal audit. These systems are designed to provide reasonable assurance that financial records are reliable for preparing financial statements and maintaining accountability for assets and that assets are safeguarded against unauthorized use or disposition. Such assurance cannot be absolute because of inherent
limitations in any internal control system. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management also recognizes its responsibility to foster a climate in which Company affairs are conducted with the highest ethical standards. The Company&#146;s Code of Conduct, furnished to each employee and director, addresses the importance of open internal communications, potential conflicts of interest, compliance with applicable laws, including those related to financial disclosure, the confidentiality of proprietary information, and other items. There is an ongoing program to assess compliance with these policies. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Audit Committee of the Company&#146;s Board of Directors consists solely of independent directors. The Audit Committee meets periodically with management and the independent auditors to discuss audit, financial reporting, and related matters. S.R. Snodgrass P.C. and the Company&#146;s internal auditors have direct access to the Audit Committee. </P>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Interim President &amp;<BR> Chief Executive Officer</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ MICHAEL D. LYNCH<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Michael D. Lynch<BR> Senior Vice President &amp;<BR> Interim Chief Financial Officer</TD>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">90</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCDA"></a>ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCP"></a>ITEM 9A. CONTROLS AND PROCEDURES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Evaluation of Disclosure Controls and Procedures.</B>&nbsp;&nbsp;As of December 31, 2014, an evaluation was performed under the supervision and with the participation of the Company&#146;s management, including the Interim Chief Executive Officer and Interim Chief Financial Officer, on the effectiveness of the design and operation of the Company&#146;s disclosure controls and procedures (as defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended (the Exchange Act)). Based on that evaluation, the Company&#146;s management, including the Interim Chief Executive Officer and Interim Chief
Financial Officer, concluded that the Company&#146;s disclosure controls and procedures were effective as of December 31, 2014. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Disclosure controls and procedures are the controls and other procedures that are designed to ensure that the information required to be disclosed by the Company in its reports filed and submitted under the Exchange Act, is recorded, processed, summarized and reported within the time periods specified in the SEC&#146;s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by the Company in its reports filed under the Exchange Act is accumulated and communicated to the Company&#146;s management, including its
principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Management Report on Internal Control over Financial Reporting.</B>&nbsp;&nbsp;The Company&#146;s management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Rule 13a-15(f) under the Exchange Act. Management&#146;s assessment of internal control over financial reporting for the fiscal year ended December 31, 2014 is included in Item 8. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tOIN"></a>ITEM 9B. OTHER INFORMATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART III </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tDEO"></a>ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section relating to Directors of the Registrant is presented in the &#147;Election of ASRV Directors&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tEC"></a>ITEM 11. EXECUTIVE COMPENSATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Compensation Committee Interlocks and Insider Participation,&#148; &#147;Compensation Discussion and Analysis,&#148; the &#147;Compensation Committee Report,&#148; and &#147;Compensation Paid to Executive Officers&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">91</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSOC"></a>ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Equity Compensation Plan Information </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the number of shares remaining for issuance under the Company&#146;s outstanding stock incentive plans as of December 31, 2014. </P>

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          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=13>Equity Compensation Plan Information</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Plan category</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities to be issued upon exercise of outstanding options, warrants and rights<BR> (a)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-average exercise price of outstanding options, warrants and rights<BR> (b)</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))<BR> (c)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity compensation plans approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>559,909</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>397,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity compensation plans not approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>559,909</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>397,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Principal Owners&#148; and &#147;Security Ownership of Management&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCRRT"></a>ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Director Independence and Transactions with Related Parties&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tPAF"></a>ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Independent Registered Accounting Firm&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">92</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART IV </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tEFSS"></a>ITEM 15. EXHIBITS AND CONSOLIDATED FINANCIAL STATEMENT SCHEDULES </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS FILED: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements listed below are from this 2014 Form 10-K and Part II&nbsp;&#151;&nbsp;Item 8. Page references are to this Form 10-K. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="552"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="40"></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial, Inc. and Subsidiaries<BR></TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

</TD>

          <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCBS">Consolidated Balance Sheets</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCBS">36</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSO">Consolidated Statements of Operations</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSO">37</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">Consolidated Statements of Comprehensive Income</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">39</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">40</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">41</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">Notes to Consolidated Financial Statements</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">42</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">87</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRIR">Report of Independent Registered Public Accounting Firm on Internal Control Over Financial Reporting</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRIR">88</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #cceeff"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRMA">Report of Management&#146;s Assessment of Internal Control Over Financial Reporting</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRMA">89</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSMR">Statement of Management Responsibility</a></TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSMR">90</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENT SCHEDULES: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These schedules are not required or are not applicable under SEC accounting regulations and therefore have been omitted. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">93</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBITS: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The exhibits listed below are filed herewith or to other filings. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="51"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="188"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>EXHIBIT NUMBER</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>DESCRIPTION</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PRIOR FILING OR EXHIBIT<BR> PAGE NUMBER HEREIN</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and Restated Articles of Incorporation as amended through August 11, 2011.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.1 to the Registration Statement on Form S-8 (File No. 333-176869) filed on September 16, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.2</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Bylaws, as amended and restated on December 17, 2009.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.2 to Form 8-K filed on January 2, 2015</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Securities Purchase Agreement, dated August 11, 2011, between AmeriServ Financial, Inc. and the Secretary of the Treasury, with respect to the issuance and sale of the SBLF Preferred Stock.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed on August 12, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.2</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Agreement, dated July 22, 2009, between AmeriServ Financial, Inc. and Glenn L. Wilson.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed July 28, 2009</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.5</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Agreement, dated May 24, 2002, between AmeriServ Financial, Inc. and Jeffrey A. Stopko.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to the Quarterly Report on Form 10-Q filed for the period ended June 30, 2002</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.6</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">AmeriServ Financial, Inc. 2011 Stock Incentive Plan</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Appendix A to the Definitive Proxy Statement, filed under Schedule 14A, filed on March 21, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.7</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">AmeriServ Financial, Inc. Deferred Compensation Plan</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed October 21, 2014</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>21.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Subsidiaries of the Registrant.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>23.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Consent of Independent Registered Public Accounting Firm</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.2</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.1</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.2</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The following information from AMERISERV FINANCIAL, INC.&#146;s Annual Report on Form 10-K for the year ended December 31, 2014, formatted in XBRL (eTensible Business Reporting Language): (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Operations, (iii) Consolidated Statements of Cash Flows, and (iv) Notes to the Consolidated Financial Statements.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Attached</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">94</P>

<HR align="left" STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSIG"></a>SIGNATURES </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 244px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc.<BR> (Registrant) </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 241px"></TD>

          <TD STYLE="width: 20px; text-align: left">By:</TD>

          <TD STYLE="text-align: justify">/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Interim President &amp; CEO </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Date: February 19, 2015 </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on February 19, 2015: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="176"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Craig G. Ford<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Craig G. Ford</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Chairman<BR> Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Interim President &amp; CEO</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Michael D. Lynch<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Michael D. Lynch</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Interim CFO<BR> &amp; SVP</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ J. Michael Adams, Jr.<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>J. Michael Adams, Jr.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Margaret A. O&#146;Malley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Margaret A. O&#146;Malley</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Allan R. Dennison<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Allan R. Dennison</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Mark E. Pasquerilla<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Mark E. Pasquerilla</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Daniel R. DeVos<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Daniel R. DeVos</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Sara A. Sargent<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Sara A. Sargent</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Bruce E. Duke, III<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Bruce E. Duke, III</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Thomas C. Slater<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Thomas C. Slater</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James M. Edwards, Sr.<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>James M. Edwards, Sr.</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Robert L. Wise<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Robert L. Wise</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Kim W. Kunkle<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Kim W. Kunkle</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.</H1>

<DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline-block; *display:inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>AMERISERV FINANCIAL<BR> BANK OFFICE LOCATIONS </B></P>

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          <TD STYLE="text-align: justify">Main Office Downtown<BR>216 Franklin Street<BR>PO Box 520<BR>Johnstown, PA 15907-0520<BR>1-800-837-BANK (2265) </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Westmont Office<BR>110 Plaza Drive<BR>Johnstown, PA 15905-1211 </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">University Heights Office<BR>1404 Eisenhower Boulevard<BR>Johnstown, PA 15904-3218 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Eighth Ward Office<BR>1059 Franklin Street<BR> Johnstown, PA 15905-4303 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Carrolltown Office<BR> 101 South Main Street<BR> Carrolltown, PA 15722-0507 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Northern Cambria Office<BR> 4206 Crawford Avenue<BR> Suite 1 Northern Cambria,<BR> PA 15714-1342 </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Lovell Park Office<BR> 179 Lovell Avenue<BR> Ebensburg, PA 15931-1864 </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Nanty Glo Office<BR> 1383 Shoemaker Street<BR> Nanty Glo, PA 15943-1254 </TD>

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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Galleria Mall Office<BR> 500 Galleria Drive Suite 100<BR> Johnstown, PA 15904-8911</P>

</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline-block; *display:inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline-block; *display:inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp; </P>

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          <TD STYLE="text-align: justify">Seward Office<BR> 1 Roadway Plaza<BR> 6858 Route 711 Suite One<BR> Seward, PA 15954-3130 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Windber Office<BR> 1501 Somerset Avenue<BR> Windber, PA 15963-1745 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Central City Office<BR> 104 Sunshine Avenue<BR> Central City, PA 15926-1129 </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Somerset Office<BR> 108 W. Main Street<BR> Somerset, PA 15501-2035 </TD>

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          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Derry Office<BR> 112 South Chestnut Street<BR> Derry, PA 15627-1938 </TD>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">South Atherton Office<BR> 734 South Atherton Street<BR> State College, PA 16801-4628 </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Pittsburgh Office<BR> United Steelworkers Bldg<BR> 60 Boulevard of the Allies<BR> Suite 100<BR> Pittsburgh, PA 15222-1232 </TD>

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          <TD STYLE="text-align: justify">North Atherton Office<BR> 1857 N. Atherton Street<BR> State College, PA 16803-1521 </TD>

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          <TD STYLE="width: 20px; text-align: left">*&nbsp;=</TD>

          <TD STYLE="text-align: justify">24-Hour ATM Banking<BR> Available</TD>

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</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline-block; *display:inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline-block; *display:inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>REMOTE ATM<BR> BANKING LOCATIONS</B> </P>

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          <TD STYLE="text-align: justify">East Hills Drive-up,<BR> 1213 Scalp Avenue,<BR> Johnstown </TD>

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          <TD STYLE="text-align: justify">Main Office, 216 Franklin<BR> Street, Johnstown<BR> The Galleria, Johnstown </TD>

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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Main Office Downtown<BR> 216 Franklin Street<BR> PO Box 520<BR> Johnstown, PA 15907-0520 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona Office<BR> 3415 Pleasant Valley Boulevard<BR> Pleasant Valley Shopping Center<BR> Altoona, PA 16602-4321 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Hagerstown Office<BR> 1829 Howell Road<BR> Suite 3<BR> Hagerstown, MD 21740-6606 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pittsburgh Loan Center<BR> 300 Penn Center Boulevard<BR> Suite 402<BR> Pittsburgh, PA 15235-5507</P>

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<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SHAREHOLDER INFORMATION </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SECURITIES MARKETS </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. Common Stock is publicly traded and quoted on the NASDAQ National Market System. The common stock is traded under the symbol of &#147;ASRV.&#148; The listed market makers for the stock are: </P>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Sandler O&#146;Neill &amp; Partners, L.P.<BR>1251 Avenue of the Americas<BR> 6<sup>th</sup> Floor<BR> New York, NY 10020<BR> Telephone: (800) 635-6860</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Keefe Bruyette &amp; Woods, Inc.<BR> 787 Seventh Avenue<BR> Equitable Bldg&nbsp;&#151;&nbsp;4<sup>th</sup> Floor<BR> New York, NY 10019<BR> Telephone: (800) 966-1559<BR></TD>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Stifel Nicolaus<BR> 1407 Eisenhower Boulevard<BR>Johnstown, PA 15904<BR>Telephone: (814) 269-9211</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Knight Capital Group, Inc.<BR> 545 Washington Boulevard<BR> Jersey City, NJ 07310<BR> Telephone: (800) 544-7508</TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CORPORATE OFFICES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The corporate offices of AmeriServ Financial, Inc. are located at 216 Franklin Street, Johnstown, PA 15901. Mailing address: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">P.O. Box 430<BR> Johnstown, PA 15907-0430<BR> (814) 533-5300 </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AGENTS </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The transfer agent and registrar for AmeriServ Financial, Inc.&#146;s common stock is: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Computershare Investor Services<BR> P O Box 43078<BR> Providence, RI 02940-3078<BR> Shareholder Inquiries: 1-800-730-4001<BR> Internet Address: <I>http://www.Computershare.com</I> </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INFORMATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Analysts, investors, shareholders, and others seeking financial data about AmeriServ Financial, Inc. or any of its subsidiaries&#146; annual and quarterly reports, proxy statements, 10-K, 10-Q, 8-K, and call reports&nbsp;&#151;&nbsp;are asked to contact Jeffrey A. Stopko, Interim President &amp; Chief Executive Officer at (814) 533-5310 or by e-mail at <I>JStopko@AmeriServ.com.</I> The Company also maintains a website (<I>www.AmeriServ.com</I>) that makes available, free of charge, such reports and proxy statements and other current financial information, such as press releases and SEC documents, as well as the corporate
governance documents under the Investor Relations tab on the Company&#146;s website. Information contained on the Company&#146;s website is not incorporated by reference into this Annual Report on Form 10-K. </P>

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<TYPE>EX-21.1
<SEQUENCE>2
<FILENAME>v400874_ex-21x1.htm
<DESCRIPTION>EXHIBIT 21.1
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          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>NAME</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PERCENT OF<BR> OWNERSHIP</TD>

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          <TD STYLE="line-height: normal; vertical-align: bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>JURISDICTION OF<BR> ORGANIZATION</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907-0520</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Life Insurance Company<BR> 101 N. First Avenue #2460<BR> Phoenix, AZ 85003<BR></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">State of Arizona</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Trust and Financial Services Company<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907-0520<BR></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

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<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>v400874_ex-23x1.htm
<DESCRIPTION>EXHIBIT 23.1
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<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We consent to the incorporation by reference in the Registration Statement Nos. 033-53935, 033-55207, 033-55845, 033-55211, 333-176869, and 333-67600 of AmeriServ Financial, Inc. on Form S-8 and Registration Nos. 033-56604, 333-129009, 333-50225, 333-120022, and 333-121215 of AmeriServ Financial, Inc. on Form S-3 of our report dated March 6, 2015, relating to our audit of the consolidated financial statements and the effectiveness of internal control over financial reporting, which appear in this Annual Report on Form 10-K of AmeriServ Financial, Inc. for the year ended December 31, 2014. </P>

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<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>v400874_ex-31x1.htm
<DESCRIPTION>EXHIBIT 31.1
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Jeffrey A. Stopko, certify that: </P>

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          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

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          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of ASF as of, and for, the periods presented in this report; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

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          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </TD>

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          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF&#146;s internal control over financial reporting that occurred during ASF&#146;s most recent fiscal quarter (ASF&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF&#146;s internal control over financial reporting; and </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF&#146;s auditors and the audit committee of ASF&#146;s board of directors: </TD>

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          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF&#146;s ability to record, process, summarize and report financial information; and </TD>

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          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF&#146;s internal control over financial reporting. </TD>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: February 27, 2015</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Interim President &amp; CEO</TD>

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<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>v400874_ex-31x2.htm
<DESCRIPTION>EXHIBIT 31.2
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 31.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF FINANCIAL OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Michael D. Lynch, certify that: </P>

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          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

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          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of ASF as of, and for, the periods presented in this report; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

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          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </TD>

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          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF&#146;s internal control over financial reporting that occurred during ASF&#146;s most recent fiscal quarter (ASF&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF&#146;s internal control over financial reporting; and </TD>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF&#146;s auditors and the audit committee of ASF&#146;s board of directors: </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF&#146;s ability to record, process, summarize and report financial information; and </TD>

</TR>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF&#146;s internal control over financial reporting. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: February 27, 2015</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Michael D. Lynch<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Michael D. Lynch<BR> Senior Vice President &amp; Interim CFO</TD>

</TR>

</TABLE></DIV>

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<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>v400874_ex-32x1.htm
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 32.1 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2014, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Jeffrey A. Stopko, Interim President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

</TR>

</TABLE>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -15pt; *margin-top: -20pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR>Interim President and<BR>Chief Executive Officer<BR>February 27, 2015</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

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<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>v400874_ex-32x2.htm
<DESCRIPTION>EXHIBIT 32.2
<TEXT>
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 32.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2014, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Michael D. Lynch, Senior Vice President and Interim Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

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          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

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          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Michael D. Lynch<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Michael D. Lynch<BR>Senior Vice President and<BR>Interim Chief Financial Officer<BR>February 27, 2015</TD>

          <TD STYLE="width: 12px; vertical-align: bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

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&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
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&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;1.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;BUSINESS AND NATURE OF OPERATIONS:&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates &lt;font&gt;17&lt;/font&gt; banking locations in &lt;font&gt;five&lt;/font&gt; southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $&lt;font&gt;1.8&lt;/font&gt; billion that are not recognized on the Company's Consolidated Balance Sheet at December 31, 2014.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;PRINCIPLES OF CONSOLIDATION:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company's most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;INVESTMENT SECURITIES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Securities are classified at the time of purchase as investment securities held to maturity if it is management's intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company's books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management's intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company's asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders' equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security's performance, the creditworthiness of the issuer and the Company's intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;FEDERAL HOME LOAN BANK STOCK:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $&lt;font&gt;100&lt;/font&gt; par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOANS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become &lt;font&gt;90&lt;/font&gt; days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOAN FEES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOANS HELD FOR SALE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;TRANSFERS OF FINANCIAL ASSETS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;PREMISES AND EQUIPMENT:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to &lt;font&gt;30&lt;/font&gt; years for buildings and up to &lt;font&gt;10&lt;/font&gt; years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $&lt;font&gt;250,000&lt;/font&gt; to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan's performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan's effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/font&gt;&lt;/td&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/font&gt;&lt;/td&gt;
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&lt;/table&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company's three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/font&gt;&lt;/td&gt;
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&lt;/table&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/font&gt;&lt;/td&gt;
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&lt;/table&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/font&gt;&lt;/td&gt;
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&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company's policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $&lt;font&gt;250,000&lt;/font&gt; within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $&lt;font&gt;250,000&lt;/font&gt; or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;TRUST FEES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;BANK-OWNED LIFE INSURANCE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INTANGIBLE ASSETS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;Goodwill&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.4pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.4pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;EARNINGS PER COMMON SHARE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase &lt;font&gt;3,625&lt;/font&gt;, &lt;font&gt;103,570&lt;/font&gt;, and &lt;font&gt;49,842&lt;/font&gt; shares of common stock were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $&lt;font&gt;4.60&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.22&lt;/font&gt;, $&lt;font&gt;3.05&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.75&lt;/font&gt;, and $&lt;font&gt;2.80&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.75&lt;/font&gt; during 2014, 2013 and 2012, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/font&gt;&lt;/p&gt;

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&lt;div&gt;
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&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.1px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Numerator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Preferred stock dividends&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;209&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;828&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,984&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,211&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Denominator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (basic)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,793&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;18,942&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,685&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Effect of stock options&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;115&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;92&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;62&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (diluted)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,908&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,034&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,747&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Earnings per common share:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Basic&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Diluted&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.15&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;STOCK-BASED COMPENSATION:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $&lt;font&gt;42,000&lt;/font&gt;, $&lt;font&gt;82,000&lt;/font&gt; and $&lt;font&gt;38,000&lt;/font&gt; of pretax compensation expense for the years 2014, 2013 and 2012. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ACCUMULATED OTHER COMPREHENSIVE LOSS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $&lt;font&gt;1,063,000&lt;/font&gt; in income tax payments in 2014; $&lt;font&gt;137,000&lt;/font&gt; in 2013; and $&lt;font&gt;142,000&lt;/font&gt; in 2012. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $&lt;font&gt;660,000&lt;/font&gt; in 2014; $&lt;font&gt;766,000&lt;/font&gt; in 2013; and $&lt;font&gt;1,266,000&lt;/font&gt; in 2012. The Company made total interest payments of $&lt;font&gt;6,475,000&lt;/font&gt; in 2014; $&lt;font&gt;6,781,000&lt;/font&gt; in 2013; and $&lt;font&gt;8,154,000&lt;/font&gt; in 2012.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INCOME TAXES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INTEREST RATE CONTRACTS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &amp;#147;Other Comprehensive Income,&amp;#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;"&gt;PENSION:&lt;/h5&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company's pension obligations and future expense. Our pension benefits are described further in Note 12 of the Notes to Consolidated Financial Statements.&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;"&gt;FAIR VALUE OF FINANCIAL INSTRUMENTS:&lt;/h5&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level I&amp;#160;&amp;#151;&amp;#160;Valuation is based upon quoted prices for identical instruments traded in active markets.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level II&amp;#160;&amp;#151;&amp;#160;Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level III&amp;#160;&amp;#151;&amp;#160;Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the asset.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;RECENT ACCOUNTING STANDARDS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;In January 2014, the FASB issued ASU 2014-04, &lt;i&gt;Receivables &amp;#150; Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. &lt;/i&gt;The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction&lt;i&gt;.&lt;/i&gt; The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;

&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
  <asrv:BusinessAndNatureOfOperationsPolicyPolicyTextBlock id="Tag2" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;BUSINESS AND NATURE OF OPERATIONS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates &lt;font&gt;17&lt;/font&gt; banking locations in &lt;font&gt;five&lt;/font&gt; southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $&lt;font&gt;1.8&lt;/font&gt; billion that are not recognized on the Company's Consolidated Balance Sheet at December 31, 2014.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</asrv:BusinessAndNatureOfOperationsPolicyPolicyTextBlock>
  <us-gaap:FairValueTransferPolicyPolicyTextBlock id="Tag3" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;TRANSFERS OF FINANCIAL ASSETS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:FairValueTransferPolicyPolicyTextBlock>
  <us-gaap:DerivativeMaturityDates id="Tag4" contextRef="C532541">2013-09-24</us-gaap:DerivativeMaturityDates>
  <us-gaap:DerivativeInceptionDates id="Tag5" contextRef="C532540">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:ConsolidationPolicyTextBlock id="Tag6" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;PRINCIPLES OF CONSOLIDATION:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company's most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
  <us-gaap:InvestmentPolicyTextBlock id="Tag7" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;INVESTMENT SECURITIES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Securities are classified at the time of purchase as investment securities held to maturity if it is management's intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company's books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management's intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company's asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders' equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security's performance, the creditworthiness of the issuer and the Company's intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:InvestmentPolicyTextBlock>
  <us-gaap:ReceivablesFairValueDisclosure id="Tag8" contextRef="C531764" unitRef="USD" decimals="-5">2300000</us-gaap:ReceivablesFairValueDisclosure>
  <asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock id="Tag9" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;FEDERAL HOME LOAN BANK STOCK:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $&lt;font&gt;100&lt;/font&gt; par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy id="Tag10" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOANS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become &lt;font&gt;90&lt;/font&gt; days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy>
  <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy id="Tag11" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOAN FEES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy id="Tag12" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;LOANS HELD FOR SALE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
  <us-gaap:PreferredStockLiquidationPreferenceValue id="Tag13" contextRef="C533002" unitRef="USD" decimals="-3">21000000</us-gaap:PreferredStockLiquidationPreferenceValue>
  <us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings id="Tag14" contextRef="C532550" unitRef="USD" decimals="-3">3300000</us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings>
  <us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings id="Tag15" contextRef="C532551" unitRef="USD" decimals="-3">3900000</us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings>
  <us-gaap:StockIssuedDuringPeriodValueNewIssues id="Tag16" contextRef="C532998" unitRef="USD" decimals="-3">21000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock id="Tag17" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;PREMISES AND EQUIPMENT:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to &lt;font&gt;30&lt;/font&gt; years for buildings and up to &lt;font&gt;10&lt;/font&gt; years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy id="Tag18" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $&lt;font&gt;250,000&lt;/font&gt; to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan's performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan's effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company's three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company's policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $&lt;font&gt;250,000&lt;/font&gt; within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $&lt;font&gt;250,000&lt;/font&gt; or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy>
  <us-gaap:IncomeTaxPolicyTextBlock id="Tag19" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INCOME TAXES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="Tag20" contextRef="C531653" unitRef="USD" decimals="-3">1000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="Tag21" contextRef="C532217" unitRef="USD" xsi:nil="true" />
  <us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock id="Tag22" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock>
  <us-gaap:RevenueRecognitionServicesManagementFees id="Tag23" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;TRUST FEES:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:RevenueRecognitionServicesManagementFees>
  <us-gaap:LifeSettlementContractsPolicy id="Tag24" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;BANK-OWNED LIFE INSURANCE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:LifeSettlementContractsPolicy>
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock id="Tag25" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INTANGIBLE ASSETS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;Goodwill&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.4pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
  <us-gaap:PropertyPlantAndEquipmentTextBlock id="Tag26" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Land&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,198&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,208&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Premises&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;24,175&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;25,752&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,337&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;8,912&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;689&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total at cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,399&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;36,675&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Less:&amp;#160;Accumulated&amp;#160;depreciation&amp;#160;and&amp;#160;amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21,387&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;23,556&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13,119&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="Tag27" contextRef="C533451" unitRef="USD" xsi:nil="true" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="Tag28" contextRef="C532217" unitRef="USD" decimals="-3">7999000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="Tag29" contextRef="C531653" unitRef="USD" decimals="-3">14626000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="Tag30" contextRef="C532216" unitRef="USD" xsi:nil="true" />
  <us-gaap:EarningsPerSharePolicyTextBlock id="Tag31" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;EARNINGS PER COMMON SHARE:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase &lt;font&gt;3,625&lt;/font&gt;, &lt;font&gt;103,570&lt;/font&gt;, and &lt;font&gt;49,842&lt;/font&gt; shares of common stock were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $&lt;font&gt;4.60&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.22&lt;/font&gt;, $&lt;font&gt;3.05&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.75&lt;/font&gt;, and $&lt;font&gt;2.80&lt;/font&gt;&amp;#160;- $&lt;font&gt;5.75&lt;/font&gt; during 2014, 2013 and 2012, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/font&gt;&lt;/p&gt;

&lt;br/&gt;
&lt;div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.1px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Numerator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Preferred stock dividends&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;209&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;828&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Denominator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (basic)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,793&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;18,942&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,685&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Effect of stock options&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;92&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;62&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (diluted)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,908&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,034&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
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&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Earnings per common share:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Basic&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.15&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Diluted&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.15&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
  <us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy id="Tag32" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;STOCK-BASED COMPENSATION:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $&lt;font&gt;42,000&lt;/font&gt;, $&lt;font&gt;82,000&lt;/font&gt; and $&lt;font&gt;38,000&lt;/font&gt; of pretax compensation expense for the years 2014, 2013 and 2012. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
  <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock id="Tag33" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;ACCUMULATED OTHER COMPREHENSIVE LOSS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
  <us-gaap:CashAndCashEquivalentsPolicyTextBlock id="Tag34" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $&lt;font&gt;1,063,000&lt;/font&gt; in income tax payments in 2014; $&lt;font&gt;137,000&lt;/font&gt; in 2013; and $&lt;font&gt;142,000&lt;/font&gt; in 2012. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $&lt;font&gt;660,000&lt;/font&gt; in 2014; $&lt;font&gt;766,000&lt;/font&gt; in 2013; and $&lt;font&gt;1,266,000&lt;/font&gt; in 2012. The Company made total interest payments of $&lt;font&gt;6,475,000&lt;/font&gt; in 2014; $&lt;font&gt;6,781,000&lt;/font&gt; in 2013; and $&lt;font&gt;8,154,000&lt;/font&gt; in 2012.&lt;/font&gt;&lt;/p&gt;
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  <us-gaap:DerivativesPolicyTextBlock id="Tag35" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;INTEREST RATE CONTRACTS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &amp;#147;Other Comprehensive Income,&amp;#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/font&gt;&lt;/p&gt;
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  <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock id="Tag36" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;RECENT ACCOUNTING STANDARDS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;In January 2014, the FASB issued ASU 2014-04, &lt;i&gt;Receivables &amp;#150; Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. &lt;/i&gt;The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction&lt;i&gt;.&lt;/i&gt; The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="Tag37" contextRef="C532217" unitRef="USD" decimals="-3">7498000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="Tag38" contextRef="C531653" unitRef="USD" decimals="-3">17838000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="Tag39" contextRef="C532216" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="Tag40" contextRef="C532218" unitRef="USD" decimals="-3">56783000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock id="Tag41" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.1px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Numerator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Preferred stock dividends&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;209&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;828&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net income available to common shareholders&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,984&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,211&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Denominator:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (basic)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,793&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;18,942&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,685&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Effect of stock options&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;115&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;92&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;62&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Weighted average common shares outstanding (diluted)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,908&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,034&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,747&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Earnings per common share:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Basic&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.15&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Diluted&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.15&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:PensionAndOtherPostretirementPlansPolicy id="Tag42" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;"&gt;PENSION:&lt;/h5&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company's pension obligations and future expense. Our pension benefits are described further in Note 12 of the Notes to Consolidated Financial Statements.&lt;/p&gt;
&lt;/div&gt;</us-gaap:PensionAndOtherPostretirementPlansPolicy>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock id="Tag43" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;OTHER TIME DEPOSITS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; CERTIFICATES&amp;#160;OF &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;DEPOSIT &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;OF $100,000 OR MORE&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;130,090&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;41,582&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,472&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,230&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,515&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;26,424&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;200&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,193&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2020 and after&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;37,033&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;250,727&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock id="Tag44" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING IN:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 87%; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Three months or less&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,483&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over three through six months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;23,171&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Over six through twelve months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,928&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over twelve months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,947&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock>
  <us-gaap:ShortTermBorrowings id="Tag45" contextRef="C533508" unitRef="USD" xsi:nil="true" />
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="Tag46" contextRef="C533510" unitRef="USD" xsi:nil="true" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="Tag47" contextRef="C533510" unitRef="USD" xsi:nil="true" />
  <us-gaap:FairValueMeasurementPolicyPolicyTextBlock id="Tag48" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;"&gt;FAIR VALUE OF FINANCIAL INSTRUMENTS:&lt;/h5&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level I&amp;#160;&amp;#151;&amp;#160;Valuation is based upon quoted prices for identical instruments traded in active markets.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level II&amp;#160;&amp;#151;&amp;#160;Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Level III&amp;#160;&amp;#151;&amp;#160;Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the asset.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles.&lt;/p&gt;
&lt;p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;"&gt;Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.&lt;/p&gt;
&lt;/div&gt;</us-gaap:FairValueMeasurementPolicyPolicyTextBlock>
  <us-gaap:CashAndCashEquivalentsDisclosureTextBlock id="Tag49" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;CASH AND DUE FROM DEPOSITORY INSTITUTIONS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.2pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Included in &amp;#147;Cash and due from depository institutions&amp;#148; are required federal reserves of $&lt;font&gt;2,000&lt;/font&gt; and $&lt;font&gt;61,000&lt;/font&gt; at December 31, 2014 and 2013, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="Tag50" contextRef="C532218" unitRef="Pure" xsi:nil="true" />
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="Tag51" contextRef="C532217" unitRef="Pure" xsi:nil="true" />
  <us-gaap:ScheduleOfShortTermDebtTextBlock id="Tag52" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;FEDERAL&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;FUNDS&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;PURCHASED&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;47,762&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.29&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FEDERAL&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FUNDS &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;PURCHASED&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;959&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;16,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.34&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2012&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FEDERAL&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FUNDS &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;PURCHASED&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; OTHER &lt;br/&gt;SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,660&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,755&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;117&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,225&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.34&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.20&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfShortTermDebtTextBlock>
  <asrv:ShortTermDebtInstrumentWeightedAverageTerm id="Tag53" contextRef="C531332">P1D</asrv:ShortTermDebtInstrumentWeightedAverageTerm>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock id="Tag54" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;3.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;INVESTMENT SECURITIES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The cost basis and fair values of investment securities are summarized as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COST&lt;br/&gt;BASIS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;GAINS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;LOSSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;FAIR&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;VALUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
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&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(122&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;102,888&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,197&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(317&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;127,110&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COST&lt;br/&gt;BASIS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;br/&gt; GAINS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;br/&gt; LOSSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160;&lt;strong&gt; FAIR &lt;br/&gt;VALUE &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,481&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;395&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,826&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,364&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,414&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,995&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(28&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,973&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,840&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;475&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(102&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,213&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COST&lt;br/&gt;BASIS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;GROSS&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GAINS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;GROSS&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; LOSSES&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;FAIR &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,926&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(126&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,992&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(252&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;121,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,129&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,227&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;140,398&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;141,978&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COST&lt;br/&gt;BASIS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GROSS&lt;br/&gt;UNREALIZED&lt;br/&gt;GAINS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GROSS &lt;br/&gt;UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;FAIR &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,671&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(477&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,483&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,521&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,401&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,995&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(91&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,904&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;18,187&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(688&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;17,788&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Maintaining investment quality is a primary objective of the Company's investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody's Investors Service or Standard &amp;amp; Poor's rating of A. At December 31, 2014, &lt;font&gt;84.1&lt;/font&gt;% of the portfolio was rated AAA as compared to &lt;font&gt;89.0&lt;/font&gt;% at December 31, 2013. &lt;font&gt;3.8&lt;/font&gt;% of the portfolio was rated below A or unrated on December 31, 2014. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded &lt;font&gt;10&lt;/font&gt;% of shareholders' equity at December 31, 2014.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $&lt;font&gt;104,780,000&lt;/font&gt; at December 31, 2014 and $&lt;font&gt;110,780,000&lt;/font&gt; at December 31, 2013.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company realized $&lt;font&gt;182,000&lt;/font&gt; of gross investment security gains and $&lt;font&gt;5,000&lt;/font&gt; of gross investment security losses in &lt;font&gt;2014&lt;/font&gt; and $&lt;font&gt;289,000&lt;/font&gt; of gross investment security gains and $&lt;font&gt;85,000&lt;/font&gt; of investment security losses in &lt;font&gt;2013&lt;/font&gt;, and $&lt;font&gt;12,000&lt;/font&gt; of gross investment gains and &lt;font&gt;no&lt;/font&gt; investment security losses in &lt;font&gt;2012&lt;/font&gt;. On a net basis, the realized gain for &lt;font&gt;2014&lt;/font&gt; was $&lt;font&gt;117,000&lt;/font&gt; after factoring in tax expense of $&lt;font&gt;60,000&lt;/font&gt; and the realized gain for &lt;font&gt;2013&lt;/font&gt; was $&lt;font&gt;135,000&lt;/font&gt; after factoring in tax expense of $&lt;font&gt;69,000&lt;/font&gt;, and the realized gain for &lt;font&gt;2012&lt;/font&gt; was $&lt;font&gt;8,000&lt;/font&gt; after factoring in tax expense of $&lt;font&gt;4,000&lt;/font&gt;. Proceeds from sales of investment securities available for sale were $&lt;font&gt;5.2&lt;/font&gt; million for &lt;font&gt;2014&lt;/font&gt;, $&lt;font&gt;11.2&lt;/font&gt; million for &lt;font&gt;2013&lt;/font&gt;, and $&lt;font&gt;4.2&lt;/font&gt; million during &lt;font&gt;2012&lt;/font&gt;.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2014. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company's consolidated investment securities portfolio had an effective duration of approximately &lt;font&gt;2.95&lt;/font&gt; years.&lt;b&gt; &lt;/b&gt;The weighted average expected maturity for available for sale securities at December 31, 2014 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was &lt;font&gt;2.95&lt;/font&gt;, &lt;font&gt;4.25&lt;/font&gt; and &lt;font&gt;4.85&lt;/font&gt; years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2014 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were &lt;font&gt;6.37&lt;/font&gt; and &lt;font&gt;5.78&lt;/font&gt; years.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;&lt;div style="display: block;"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="30"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="30" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;AT DECEMBER 31, 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&lt;br/&gt;AGENCY&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&amp;#160;AGENCY&lt;br/&gt;MORTGAGE-&lt;br/&gt;BACKED&amp;#160;SECURITIES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;CORPORATE&lt;br/&gt;BONDS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;br/&gt;INVESTMENT&lt;br/&gt;SECURITIES&lt;br/&gt;AVAILABLE&lt;br/&gt;FOR&amp;#160;SALE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="38"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 28%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;COST BASIS&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.38&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,696&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,999&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.75&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,626&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.96&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,340&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;17,838&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&amp;#160;&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;56,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;56,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.56&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.56&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.48&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,893&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,791&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,675&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,671&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,445&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,116&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;58,141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;58,141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;35,165&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;35,165&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;127,110&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&amp;#160;AGENCY&lt;br/&gt; MORTGAGE-&lt;br/&gt;BACKED &lt;br/&gt;SECURITIES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;CORPORATE &lt;br/&gt; BONDS &lt;br/&gt; AND &lt;br/&gt; OTHER&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;br/&gt;INVESTMENT&lt;br/&gt;SECURITIES&lt;br/&gt;HELD&amp;#160;TO&lt;br/&gt;MATURITY&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;COST BASIS&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.40&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.63&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,810&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,162&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,162&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,522&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.45&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,346&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.49&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,481&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.20&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,359&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.96&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,840&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.11&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;981&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;981&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,799&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,140&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,140&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,895&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,407&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,302&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,826&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,387&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,213&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;&lt;/div&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables present information concerning investments with unrealized losses as of December 31, 2014 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Total investment securities:&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;LESS THAN 12 MONTHS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;12 MONTHS OR LONGER&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;FAIR&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;VALUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;br/&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;br/&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(4&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,858&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(42&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,854&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,826&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(13&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,408&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(354&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;23,234&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;150&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;988&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(23&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,138&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other&amp;#160;&amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,960&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(43&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,891&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(107&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(150&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,932&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(61&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;33,145&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(526&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;40,077&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(587&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Total investment securities:&lt;/font&gt;&lt;/strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LESS THAN 12 MONTHS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;12 MONTHS OR LONGER&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;FAIR&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(64&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;938&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(62&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,750&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(126&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;52,163&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,701&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;52,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,704&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;891&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;891&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other&amp;#160;&amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,687&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(43&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,644&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(343&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;66,553&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(2,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,564&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(108&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;71,117&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(2,293&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase.&amp;#160; There are &lt;font&gt;38&lt;/font&gt; positions that are considered temporarily impaired at December 31, 2014. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="Tag55" contextRef="C532216" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="Tag56" contextRef="C532218" unitRef="USD" decimals="-3">34069000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="Tag57" contextRef="C532216" unitRef="USD" decimals="-3">1013000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="Tag58" contextRef="C532218" unitRef="USD" xsi:nil="true" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="Tag59" contextRef="C532217" unitRef="USD" xsi:nil="true" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="Tag60" contextRef="C531653" unitRef="USD" decimals="-3">1013000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="Tag61" contextRef="C532216" unitRef="USD" decimals="-3">4893000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="Tag62" contextRef="C532218" unitRef="USD" decimals="-3">1791000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="Tag63" contextRef="C532217" unitRef="USD" decimals="-3">7991000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="Tag64" contextRef="C531653" unitRef="USD" decimals="-3">14675000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="Tag65" contextRef="C532216" unitRef="USD" xsi:nil="true" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="Tag66" contextRef="C532218" unitRef="USD" decimals="-3">10671000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock id="Tag67" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COST&lt;br/&gt;BASIS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;GAINS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;LOSSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;FAIR&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;VALUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,497&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;61&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(122&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;102,888&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,197&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(317&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;124,316&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,279&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(485&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;127,110&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COST&lt;br/&gt;BASIS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;br/&gt; GAINS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;GROSS&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;UNREALIZED&lt;br/&gt; LOSSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160;&lt;strong&gt; FAIR &lt;br/&gt;VALUE &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,481&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;395&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,826&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,364&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,414&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,995&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(28&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,973&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,840&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;475&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(102&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,213&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COST&lt;br/&gt;BASIS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;GROSS&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GAINS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;GROSS&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; LOSSES&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;FAIR &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,926&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(126&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,992&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;21&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(252&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;121,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,129&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,227&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;140,398&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;141,978&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COST&lt;br/&gt;BASIS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GROSS&lt;br/&gt;UNREALIZED&lt;br/&gt;GAINS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; GROSS &lt;br/&gt;UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;FAIR &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,671&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(477&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,483&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,521&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,401&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,995&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(91&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,904&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;18,187&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(688&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;17,788&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="Tag68" contextRef="C532217" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="Tag69" contextRef="C531653" unitRef="USD" decimals="-3">58141000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="Tag70" contextRef="C532216" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="Tag71" contextRef="C532218" unitRef="USD" decimals="-3">35165000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="Tag72" contextRef="C532217" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="Tag73" contextRef="C531653" unitRef="USD" decimals="-3">35165000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <us-gaap:AvailableForSaleSecurities id="Tag74" contextRef="C532216" unitRef="USD" decimals="-3">5906000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="Tag75" contextRef="C532218" unitRef="USD" decimals="-3">105768000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="Tag76" contextRef="C532217" unitRef="USD" decimals="-3">15436000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="Tag77" contextRef="C531653" unitRef="USD" decimals="-3">127110000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount id="Tag78" contextRef="C532218" unitRef="USD" xsi:nil="true" />
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag79" contextRef="C532216" unitRef="USD" decimals="-3">5931000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock id="Tag80" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;&lt;div style="display: block;"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;"&gt;Investment securities available for sale:&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="30"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="30" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;AT DECEMBER 31, 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&lt;br/&gt;AGENCY&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&amp;#160;AGENCY&lt;br/&gt;MORTGAGE-&lt;br/&gt;BACKED&amp;#160;SECURITIES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;CORPORATE&lt;br/&gt;BONDS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;br/&gt;INVESTMENT&lt;br/&gt;SECURITIES&lt;br/&gt;AVAILABLE&lt;br/&gt;FOR&amp;#160;SALE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="38"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 28%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;COST BASIS&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.38&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,696&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,999&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.75&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,626&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.96&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,340&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,498&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;17,838&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&amp;#160;&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;56,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;56,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.56&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,893&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,791&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,675&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,671&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,445&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,116&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;58,141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;58,141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;35,165&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;127,110&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Investment securities held to maturity:&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;U.S.&amp;#160;AGENCY&lt;br/&gt; MORTGAGE-&lt;br/&gt;BACKED &lt;br/&gt;SECURITIES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;CORPORATE &lt;br/&gt; BONDS &lt;br/&gt; AND &lt;br/&gt; OTHER&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;br/&gt;INVESTMENT&lt;br/&gt;SECURITIES&lt;br/&gt;HELD&amp;#160;TO&lt;br/&gt;MATURITY&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;COST BASIS&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.40&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.63&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,810&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.67&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,162&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,162&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,522&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.45&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,346&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.49&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,481&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.20&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;7,359&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.96&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,840&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.11&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Within &lt;font&gt;1&lt;/font&gt; year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;1&lt;/font&gt; year but within &lt;font&gt;5&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;981&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;981&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;5&lt;/font&gt; years but within &lt;font&gt;10&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,931&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,799&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;After &lt;font&gt;10&lt;/font&gt; years but within&lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over &lt;font&gt;15&lt;/font&gt; years&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,213&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock id="Tag81" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Total investment securities:&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;LESS THAN 12 MONTHS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;12 MONTHS OR LONGER&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;FAIR&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;VALUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;br/&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;br/&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;br/&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(4&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,858&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(42&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,854&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(46&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,826&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(13&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,408&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(354&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;23,234&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;150&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;988&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(23&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,138&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other&amp;#160;&amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,960&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(43&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,891&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(107&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,932&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(61&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;33,145&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(526&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;40,077&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(587&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Total investment securities:&lt;/font&gt;&lt;/strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LESS THAN 12 MONTHS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;12 MONTHS OR LONGER&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;FAIR&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; FAIR &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;VALUE &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; UNREALIZED &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOSSES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(64&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;938&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(62&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,750&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(126&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;52,163&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,701&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;52,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,704&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Taxable municipal&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;891&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;891&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(120&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds and other&amp;#160;&amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,687&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(43&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,644&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(343&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;71,117&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(2,293&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="Tag82" contextRef="C533504">P5Y9M11D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="Tag83" contextRef="C533505">P6Y4M13D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="Tag84" contextRef="C533506">P4Y10M6D</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="Tag85" contextRef="C533505">P4Y3M</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="Tag86" contextRef="C533507">P2Y11M12D</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="Tag87" contextRef="C531332">P2Y11M12D</asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock id="Tag88" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;4.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;LOANS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The loan portfolio of the Company consisted of the following:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,864&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Loans, net of unearned income&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;827,080&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Loan balances at December 31, 2014 and 2013 are net of unearned income of $&lt;font&gt;554,000&lt;/font&gt; and $&lt;font&gt;581,000&lt;/font&gt;, respectively. Real estate construction loans comprised &lt;font&gt;3.5&lt;/font&gt;% and &lt;font&gt;3.0&lt;/font&gt;% of total loans net of unearned income at December 31, 2014 and 2013, respectively. The Company has &lt;font&gt;no&lt;/font&gt; exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has &lt;font&gt;no&lt;/font&gt; direct loan exposure to foreign countries. Additionally, the Company has &lt;font&gt;no&lt;/font&gt; significant industry lending concentrations. As of December 31, 2014 and 2013, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed &lt;font&gt;10&lt;/font&gt;% of total loans. Additionally, the majority of the Company's lending occurs within a &lt;font&gt;250&lt;/font&gt; mile radius of the Johnstown market.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management's opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $&lt;font&gt;847,000&lt;/font&gt; and $&lt;font&gt;853,000&lt;/font&gt; at December 31, 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock id="Tag89" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,864&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Loans, net of unearned income&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;827,080&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:AllowanceForCreditLossesTextBlock id="Tag90" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;5.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;ALLOWANCE FOR LOAN LOSSES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2013 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; CHARGE-&lt;br/&gt;OFFS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;br/&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2014 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,260&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;71&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Allocation for general risk&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;979&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(20&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,104&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,323&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;467&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;375&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,623&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2012 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; CHARGE-&lt;br/&gt;OFFS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;br/&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2013 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,596&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;80&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;218&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,796&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;10,104&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
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&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; CHARGE-&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;OFFS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER 31, 2012 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,365&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(345&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;138&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;438&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,596&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,400&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(796&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;245&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,053&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,796&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,270&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(420&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;54&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;365&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,269&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;174&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(200&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;47&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;129&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Allocation for general risk&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,414&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(654&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;760&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;14,623&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;484&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,571&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2014. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The positive provision for loan losses in commercial and real-estate mortgage loans was needed to support the loan growth experienced in these categories during 2014. &lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Loans:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;COMMERCIAL &lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;SECURED BY &lt;/b&gt;&lt;br/&gt; &lt;b&gt;REAL ESTATE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; text-align: center; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;REAL &lt;br/&gt; ESTATE-&lt;/b&gt;&lt;br/&gt; &lt;b&gt;MORTGAGE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;CONSUMER &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Individually&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Collectively&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;409,340&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;826,091&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;827,080&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Allowance for loan losses:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&lt;/b&gt;&lt;br/&gt; &lt;b&gt;SECURED BY&lt;/b&gt;&lt;br/&gt; &lt;b&gt;REAL ESTATE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;REAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ESTATE-&lt;/b&gt;&lt;br/&gt; &lt;b&gt;MORTGAGE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;CONSUMER &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;ALLOCATION &lt;/b&gt;&lt;br/&gt; &lt;b&gt;FOR GENERAL &lt;/b&gt;&lt;br/&gt; &lt;b&gt;RISK&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;TOTAL &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Specific reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;General reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,382&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,310&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;190&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,103&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&amp;#160;allowance&amp;#160;for&amp;#160;loan&amp;#160;losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,902&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,310&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;190&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,623&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Loans:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL &lt;br/&gt; LOANS &lt;br/&gt; SECURED BY &lt;br/&gt; REAL ESTATE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;REAL ESTATE-&lt;br/&gt; MORTGAGE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; CONSUMER &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Individually&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Collectively&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;408,686&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;780,280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,864&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;br/&gt; LOANS &lt;br/&gt; SECURED BY &lt;br/&gt; REAL ESTATE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;REAL &lt;br/&gt; ESTATE-&lt;br/&gt; MORTGAGE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; CONSUMER &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;ALLOCATION &lt;br/&gt; FOR GENERAL&lt;br/&gt; RISK&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Specific reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;813&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;General reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,073&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,260&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;135&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;979&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,291&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&amp;#160;allowance&amp;#160;for&amp;#160;loan&amp;#160;losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,885&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,260&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;136&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;979&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;10,104&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The segments of the Company's loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company's management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, &lt;font&gt;no&lt;/font&gt; further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans secured by residential real estate.&amp;#160;The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $&lt;font&gt;100,000&lt;/font&gt; that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using &lt;font&gt;one&lt;/font&gt; of &lt;font&gt;three&lt;/font&gt; methods:&amp;#160;&amp;#160;(a) the present value of expected future cash flows discounted at the loan's effective interest rate; (b) the loan's observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company's policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank's internal Assigned Risk Department to support the value of the property.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank's internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the passage of time;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the volatility of the local market;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the availability of financing;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;natural disasters;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the inventory of competing properties;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.2in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;"&gt;&amp;#149;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;environmental contamination.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank's Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;DECEMBER 31, 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;IMPAIRED LOANS WITH&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;SPECIFIC ALLOWANCE&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;IMPAIRED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&amp;#160;WITH&lt;/b&gt;&lt;br/&gt; &lt;b&gt;&lt;font&gt;NO&lt;/font&gt;&amp;#160;SPECIFIC&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ALLOWANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&amp;#160;&amp;#160;IMPAIRED&amp;#160;LOANS&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RELATED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ALLOWANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;UNPAID&amp;#160;&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PRINCIPAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;BALANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'times new roman'; padding: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;" colspan="18"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;IMPAIRED LOANS WITH&lt;br/&gt; SPECIFIC ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;IMPAIRED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; LOANS&amp;#160;WITH&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;font&gt;NO&lt;/font&gt;&amp;#160;SPECIFIC&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&amp;#160;&amp;#160;IMPAIRED&amp;#160;LOANS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RELATED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;UNPAID&amp;#160;&amp;#160;&lt;br/&gt; PRINCIPAL&lt;br/&gt; BALANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; width: 35%;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,118&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;813&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,179&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average impaired balance:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; width: 61%; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,756&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,459&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,754&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;37&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Average investment in impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,756&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,509&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,770&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman'; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recognized:&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recognized on a cash basis on impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;14&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first &lt;font&gt;five&lt;/font&gt; &amp;#147;Pass&amp;#148; categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than &lt;font&gt;90&lt;/font&gt; days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $&lt;font&gt;250,000&lt;/font&gt; within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company's commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company's internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board's Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2014 required review of a minimum range of &lt;font&gt;50&lt;/font&gt;% to &lt;font&gt;55&lt;/font&gt;% of the commercial loan portfolio.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $&lt;font&gt;1,000,000&lt;/font&gt;, all credits rated Special Mention or Substandard with aggregate balances greater than $&lt;font&gt;250,000&lt;/font&gt;, and all credits rated Doubtful with aggregate balances greater than $&lt;font&gt;100,000&lt;/font&gt; on an individual basis to the Company's Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets monthly to monitor the status of problem loans.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;PASS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;SPECIAL&lt;br/&gt; MENTION&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;SUBSTANDARD &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;DOUBTFUL&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;TOTAL &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;132,665&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;161&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,164&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;406,195&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;620&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,238&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;276&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;538,860&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;781&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,402&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;412&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;549,455&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: -11.45pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER&amp;#160;31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;PASS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; SPECIAL&lt;br/&gt;MENTION &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; SUBSTANDARD &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;DOUBTFUL&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;108,623&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;8,880&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,599&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;396,788&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,961&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;505,411&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,841&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;10,081&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;531,793&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important; /* background-color: #fffff0;"&gt;DECEMBER&lt;/font&gt;&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;PERFORMING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;NON-&lt;br/&gt;PERFORMING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 74%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;257,199&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;276,208&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;December 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;PERFORMING&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;NON-&lt;br/&gt;PERFORMING&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 74%; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;234,450&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,239&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;250,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; /* background-color: #fffff0;"&gt;DECEMBER&lt;/strong&gt;&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;CURRENT&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;30-59&lt;/b&gt;&lt;br/&gt; &lt;b&gt;DAYS&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;60-89 &lt;/b&gt;&lt;br/&gt; &lt;b&gt;DAYS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;90 DAYS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST&amp;#160;DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST&amp;#160;DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,927&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;827,080&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER&amp;#160;31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;CURRENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;30-59&lt;br/&gt; DAYS&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;br/&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;60-89 &lt;br/&gt; DAYS &lt;br/&gt; PAST DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;90 DAYS&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;br/&gt; LOANS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;90 DAYS &lt;br/&gt; PAST DUE&lt;br/&gt; AND&amp;#160;STILL&lt;br/&gt; ACCRUING&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="22"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;778,265&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,722&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;697&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,662&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,081&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;An allowance for loan losses (&amp;#147;ALL&amp;#148;) is maintained to absorb losses from the loan portfolio. The ALL is based on management's continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer and residential mortgage portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer and residential mortgage portfolios are based on a &lt;font&gt;three&lt;/font&gt; year historical average of actual loss experience.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of &lt;font&gt;three&lt;/font&gt; elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company's loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company's management to establish allocations which accommodate each of the listed risk factors.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 22.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#147;Pass&amp;#148; rated credits are segregated from &amp;#147;Criticized&amp;#148; and &amp;#147;Classified&amp;#148; credits for the application of qualitative factors.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL.&amp;#160;&amp;#160;When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
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&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2013 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; CHARGE-&lt;br/&gt;OFFS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;br/&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2014 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(172&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Allocation for general risk&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,104&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,323&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;467&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;375&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,623&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2012 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; CHARGE-&lt;br/&gt;OFFS &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;br/&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;br/&gt;DECEMBER 31, 2013 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,596&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;80&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;218&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,796&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,777&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;481&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,615&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,885&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;

&lt;/table&gt;
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&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; RECOVERIES &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; PROVISION&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(CREDIT) &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; BALANCE AT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER 31, 2012 &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,400&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,053&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,796&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,270&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;365&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,269&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Allocation for general risk&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,414&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(654&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;760&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;14,623&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(1,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;484&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,571&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
  <asrv:ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock id="Tag92" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Loans:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;COMMERCIAL &lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;SECURED BY &lt;/b&gt;&lt;br/&gt; &lt;b&gt;REAL ESTATE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; text-align: center; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;REAL &lt;br/&gt; ESTATE-&lt;/b&gt;&lt;br/&gt; &lt;b&gt;MORTGAGE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;CONSUMER &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Individually&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Collectively&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;409,340&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;826,091&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;258,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;827,080&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Allowance for loan losses:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;COMMERCIAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&lt;/b&gt;&lt;br/&gt; &lt;b&gt;SECURED BY&lt;/b&gt;&lt;br/&gt; &lt;b&gt;REAL ESTATE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;REAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ESTATE-&lt;/b&gt;&lt;br/&gt; &lt;b&gt;MORTGAGE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;CONSUMER &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;ALLOCATION &lt;/b&gt;&lt;br/&gt; &lt;b&gt;FOR GENERAL &lt;/b&gt;&lt;br/&gt; &lt;b&gt;RISK&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; &lt;strong&gt;TOTAL &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Specific reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;General reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,382&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,310&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;190&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,103&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&amp;#160;allowance&amp;#160;for&amp;#160;loan&amp;#160;losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,902&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,310&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;190&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;959&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,623&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;Loans:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL &lt;br/&gt; LOANS &lt;br/&gt; SECURED BY &lt;br/&gt; REAL ESTATE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;REAL ESTATE-&lt;br/&gt; MORTGAGE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; CONSUMER &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Individually&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Collectively&amp;#160;evaluated&amp;#160;for&amp;#160;impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;408,686&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;780,280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;235,689&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,864&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Allowance for loan losses:&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;COMMERCIAL&lt;br/&gt; LOANS &lt;br/&gt; SECURED BY &lt;br/&gt; REAL ESTATE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;REAL &lt;br/&gt; ESTATE-&lt;br/&gt; MORTGAGE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; CONSUMER &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;ALLOCATION &lt;br/&gt; FOR GENERAL&lt;br/&gt; RISK&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Specific reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;813&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;General reserve allocation&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,073&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,260&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;135&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;979&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;9,291&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&amp;#160;allowance&amp;#160;for&amp;#160;loan&amp;#160;losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,885&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,260&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;136&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;979&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;10,104&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock>
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&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;DECEMBER 31, 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;IMPAIRED LOANS WITH&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt; &lt;b&gt;SPECIFIC ALLOWANCE&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;IMPAIRED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&amp;#160;WITH&lt;/b&gt;&lt;br/&gt; &lt;b&gt;&lt;font&gt;NO&lt;/font&gt;&amp;#160;SPECIFIC&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ALLOWANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&amp;#160;&amp;#160;IMPAIRED&amp;#160;LOANS&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RELATED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ALLOWANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;br/&gt;&lt;b&gt;RECORDED&lt;/b&gt;&lt;br/&gt; &lt;b&gt;INVESTMENT&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;UNPAID&amp;#160;&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PRINCIPAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;BALANCE&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'times new roman'; padding: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;" colspan="18"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;520&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;989&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,069&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;

&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;IMPAIRED LOANS WITH&lt;br/&gt; SPECIFIC ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;IMPAIRED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; LOANS&amp;#160;WITH&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;font&gt;NO&lt;/font&gt;&amp;#160;SPECIFIC&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&amp;#160;&amp;#160;IMPAIRED&amp;#160;LOANS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RELATED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; ALLOWANCE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;RECORDED&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; INVESTMENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;UNPAID&amp;#160;&amp;#160;&lt;br/&gt; PRINCIPAL&lt;br/&gt; BALANCE&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; width: 35%;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;812&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,118&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;813&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,179&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag94" contextRef="C532216" unitRef="USD" decimals="-3">21000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock id="Tag95" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average impaired balance:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; width: 61%; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,756&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,459&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,754&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;37&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Average investment in impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,756&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,509&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,770&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman'; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; vertical-align: top;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recognized:&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recognized on a cash basis on impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;14&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
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  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock id="Tag96" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;PASS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;SPECIAL&lt;br/&gt; MENTION&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;SUBSTANDARD &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;DOUBTFUL&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; &lt;strong&gt;TOTAL &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;132,665&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;161&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,164&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;406,195&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;620&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,238&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;276&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,329&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;538,860&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;781&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,402&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;412&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;549,455&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: -11.45pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER&amp;#160;31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;PASS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; SPECIAL&lt;br/&gt;MENTION &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; SUBSTANDARD &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;DOUBTFUL&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &amp;#160; TOTAL &lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;108,623&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;8,880&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,599&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;396,788&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,961&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;411,691&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;505,411&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,841&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;10,081&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;531,793&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
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&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important; /* background-color: #fffff0;"&gt;DECEMBER&lt;/font&gt;&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;PERFORMING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;NON-&lt;br/&gt;PERFORMING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 74%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;257,199&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;276,208&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
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&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;December 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;PERFORMING&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;NON-&lt;br/&gt;PERFORMING&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman';"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 74%; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;234,450&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,239&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;250,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag98" contextRef="C531936" unitRef="USD" decimals="-3">21000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag99" contextRef="C531936" unitRef="USD" decimals="-3">252000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecurities id="Tag100" contextRef="C531936" unitRef="USD" decimals="-3">11761000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:PastDueFinancingReceivablesTableTextBlock id="Tag101" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; /* background-color: #fffff0;"&gt;DECEMBER&lt;/strong&gt;&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;CURRENT&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;30-59&lt;/b&gt;&lt;br/&gt; &lt;b&gt;DAYS&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;60-89 &lt;/b&gt;&lt;br/&gt; &lt;b&gt;DAYS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;90 DAYS &lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST&amp;#160;DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&lt;br/&gt;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST&amp;#160;DUE&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;LOANS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;b&gt;90 DAYS&lt;/b&gt;&lt;br/&gt; &lt;b&gt;PAST DUE&lt;/b&gt;&lt;br/&gt; &lt;b&gt;AND&amp;#160;STILL&lt;/b&gt;&lt;br/&gt; &lt;b&gt;ACCRUING&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="26"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;139,126&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410,049&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;280&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate- mortgage&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DECEMBER&amp;#160;31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;CURRENT&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;30-59&lt;br/&gt; DAYS&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;br/&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;60-89 &lt;br/&gt; DAYS &lt;br/&gt; PAST DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;90 DAYS&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;br/&gt; PAST&amp;#160;DUE&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;TOTAL&lt;br/&gt; LOANS&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;90 DAYS &lt;br/&gt; PAST DUE&lt;br/&gt; AND&amp;#160;STILL&lt;br/&gt; ACCRUING&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 20px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="22"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;120,102&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial&amp;#160;loans&amp;#160;secured&amp;#160;by&amp;#160;real&amp;#160;estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; font-size: 8pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;410,619&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;778,265&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,722&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;697&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,662&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,081&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;783,346&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="Tag102" contextRef="C531332" unitRef="USD" xsi:nil="true" />
  <asrv:InterestIncomeRecordedNonaccrualLoans id="Tag103" contextRef="C531332" unitRef="USD" xsi:nil="true" />
  <asrv:InterestIncomeRecordedNonaccrualLoans id="Tag104" contextRef="C531658" unitRef="USD" xsi:nil="true" />
  <asrv:InterestIncomeRecordedNonaccrualLoans id="Tag105" contextRef="C531659" unitRef="USD" xsi:nil="true" />
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag106" contextRef="C533438">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag107" contextRef="C533435">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag108" contextRef="C533440">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag109" contextRef="C533443">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag110" contextRef="C531936" unitRef="USD" decimals="-3">11992000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr id="Tag111" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td width="0px"&gt;&lt;/td&gt;
&lt;td style="width: 0.2in; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;6.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as TDR&amp;#160;and (iv) OREO&amp;#160;(real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The following tables present information concerning non-performing assets including TDR:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Non-accrual loans:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;(IN&amp;#160;THOUSANDS,&amp;#160;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;EXCEPT&amp;#160;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;PERCENTAGES)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;778&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,632&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,239&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,195&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,871&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;344&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;673&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total restructured loans not in non-accrual (TDR)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;221&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total non-performing assets including TDR&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,917&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,109&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company had no loans past due 90 days or more for the periods presented which were accruing interest.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower's financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank's objective in offering a TDR&amp;#160;is to increase the probability of repayment of the borrower's loan.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;To be considered a TDR, &lt;font style="text-decoration: underline;"&gt;both&lt;/font&gt; of the following criteria must be met:&lt;/font&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower must be experiencing financial difficulties; &lt;font style="text-decoration: underline;"&gt;and&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that would not otherwise be considered.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:&lt;/font&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower is currently in default on their loan(s);&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower has filed for bankruptcy;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower has insufficient cash flows to service their loan(s); &lt;font style="text-decoration: underline;"&gt;and&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Factors that indicate that a concession has been granted include, but are not limited to:&lt;/font&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; &lt;font style="text-decoration: underline;"&gt;or&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 22.3pt;"&gt;&lt;/td&gt;
&lt;td style="width: 14.4pt; font-family: 'times new roman';"&gt;&lt;strong style="color: #000000; font-family: 'times new roman'; font-size: 16px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#149;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify;"&gt;
&lt;p style="margin: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed &lt;font&gt;120&lt;/font&gt; days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&amp;#160;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.0in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower's financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.0in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Any loan modification where the borrower's aggregate exposure is at least $&lt;font&gt;250,000&lt;/font&gt; &lt;font style="text-decoration: underline;"&gt;and&lt;/font&gt; where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR's was $&lt;font&gt;520,000&lt;/font&gt; and $&lt;font&gt;344,000&lt;/font&gt; as of December 31, 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2014 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;210&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;742&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2013 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,250&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;161&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,772&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;169&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.&lt;br/&gt;&lt;br/&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of &lt;font&gt;six&lt;/font&gt; consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of &lt;font&gt;six&lt;/font&gt; consecutive payments in accordance with the terms of the loan.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table presents the recorded investment in loans that were modified as TDR's in the previous 12 months and defaulted during these reporting periods (in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-decoration: underline; text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Recorded investment of defaults&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 61%;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. All TDRs which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. OREO is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 61%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income due in accordance with original terms&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;178&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recorded&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net reduction in interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;178&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr>
  <asrv:ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock id="Tag112" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Non-accrual loans:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 10pt;"&gt;(IN&amp;#160;THOUSANDS,&amp;#160;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;EXCEPT&amp;#160;&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;PERCENTAGES)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;778&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,632&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,239&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,195&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,871&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loans secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;344&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Real estate-mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;673&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total restructured loans not in non-accrual (TDR)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;221&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total non-performing assets including TDR&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,917&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,109&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.35&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</asrv:ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock>
  <us-gaap:ShortTermBorrowings id="Tag113" contextRef="C533496" unitRef="USD" xsi:nil="true" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="Tag114" contextRef="C533502" unitRef="USD" xsi:nil="true" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="Tag115" contextRef="C533498" unitRef="USD" xsi:nil="true" />
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock id="Tag116" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2014 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;210&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;742&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2013 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,250&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;br/&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;161&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;61&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in non-accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,772&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Loans in accrual status&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;# of Loans&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="margin: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;Concession Granted&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;169&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Consumer&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;Extension of maturity date&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <asrv:ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock id="Tag117" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-decoration: underline; text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Recorded investment of defaults&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 61%;"&gt;&lt;font style="font-size: 10pt;"&gt;Commercial loan secured by real estate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,480&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;</asrv:ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock>
  <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock id="Tag118" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 61%; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income due in accordance with original terms&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;178&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest income recorded&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net reduction in interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;136&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;178&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag119" contextRef="C533436">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag120" contextRef="C533444">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag121" contextRef="C533439">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="Tag122" contextRef="C533437">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;Extension of maturity date&lt;/div&gt;</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock id="Tag123" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;8.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DEPOSITS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;The following table sets forth the balance of the Company's deposits:&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Demand:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 78%;"&gt;&lt;font style="font-size: 10pt;"&gt;Non-interest bearing&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;167,551&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;154,002&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest bearing&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;89,676&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;84,926&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Savings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;90,020&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;87,655&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Money market&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;221,378&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;219,801&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Certificates of deposit in denominations of $100,000 or more&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;47,287&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other time&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;250,727&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;260,851&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;869,881&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;854,522&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 40pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest expense on deposits consisted of the following:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 40pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDED DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2012&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;191&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;138&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;116&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Savings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;144&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;139&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;181&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Money market&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;761&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;736&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Certificates of deposit in denominations&amp;#160;of $100,000&amp;#160;or&amp;#160;more&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;268&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;435&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other time&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,862&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,875&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,889&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,164&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,502&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2014 maturing in the periods presented:&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;OTHER TIME DEPOSITS&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; CERTIFICATES&amp;#160;OF &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;DEPOSIT &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;OF $100,000 OR MORE&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;130,090&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;41,582&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,472&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,230&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,515&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;26,424&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;200&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,193&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;2020 and after&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;37,033&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;250,727&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2014, are as follows:&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING IN:&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(IN THOUSANDS)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 87%; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Three months or less&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,483&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over three through six months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;23,171&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Over six through twelve months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,928&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Over twelve months&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,947&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;p style="margin: 0pt 0 0pt 20pt;"&gt;&lt;font style="color: #000000; font-family: 'times new roman', times; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 16px; orphans: auto; text-align: left; text-indent: 20px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important;"&gt;The aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the FDIC insurance limit at December 31, 2014 and 2013 are $&lt;font&gt;65.2&lt;/font&gt; million and $&lt;font&gt;61.0&lt;/font&gt; million, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <asrv:ScheduleOfDepositLiabilitiesTableTextBlock id="Tag124" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Demand:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 78%;"&gt;&lt;font style="font-size: 10pt;"&gt;Non-interest bearing&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;167,551&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;154,002&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest bearing&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;89,676&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;84,926&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Savings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;90,020&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;87,655&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Money market&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;221,378&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;219,801&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Certificates of deposit in denominations of $100,000 or more&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;50,529&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;47,287&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other time&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;250,727&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;260,851&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;869,881&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;854,522&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</asrv:ScheduleOfDepositLiabilitiesTableTextBlock>
  <us-gaap:InterestIncomeAndInterestExpenseDisclosureTextBlock id="Tag125" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDED DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2012&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest bearing demand&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;191&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;138&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;116&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Savings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;144&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;139&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;181&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Money market&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;761&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;736&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Certificates of deposit in denominations&amp;#160;of $100,000&amp;#160;or&amp;#160;more&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;268&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;435&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other time&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;3,862&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,875&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,889&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,164&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,502&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:InterestIncomeAndInterestExpenseDisclosureTextBlock>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="Tag126" contextRef="C532217" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="Tag127" contextRef="C531653" unitRef="USD" decimals="-3">56783000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis>
  <us-gaap:ShortTermDebtTextBlock id="Tag128" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 18pt;"&gt;&lt;/td&gt;
&lt;td style="width: 17pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;9.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;SHORT-TERM BORROWINGS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;FEDERAL&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;FUNDS&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;PURCHASED&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;47,762&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;18,783&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.29&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.27&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FEDERAL&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FUNDS &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;PURCHASED&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;959&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;16,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.34&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.26&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2012&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FEDERAL&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FUNDS &lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;PURCHASED&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; OTHER &lt;br/&gt;SHORT-TERM &lt;br/&gt;BORROWINGS &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;15,660&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Maximum indebtedness at any month end&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;19,755&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average balance during year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;117&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;5,225&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Average rate paid for the year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.34&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.20&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Interest rate on year-end balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;These borrowing transactions can range from overnight to one year in maturity. The average maturity was &lt;font&gt;one&lt;/font&gt; day at the end of 2014, 2013 and 2012.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ShortTermDebtTextBlock>
  <asrv:ShortTermDebtInstrumentWeightedAverageTerm id="Tag129" contextRef="C531658">P1D</asrv:ShortTermDebtInstrumentWeightedAverageTerm>
  <us-gaap:ShortTermBorrowings id="Tag130" contextRef="C533500" unitRef="USD" xsi:nil="true" />
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag131" contextRef="C532216" unitRef="USD" decimals="-3">46000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:FairValueMeasurementInputsDisclosureTextBlock id="Tag132" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 17pt;"&gt;&lt;/td&gt;
&lt;td style="width: 18pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;11.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15.1pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -45pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management's best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -45pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2014 and 2013, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="text-decoration: underline; font-size: 10pt;"&gt;Assets and Liability Measured on a Recurring Basis&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 1)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 2)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 3)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 2)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 3)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="text-decoration: underline; font-size: 10pt;"&gt;Assets Measured on a Non-recurring Basis&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets measured at fair value on a non-recurring basis are summarized below (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 1)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 2)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 3)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 2)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 3)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2014, impaired loans with a carrying value of $&lt;font&gt;989,000&lt;/font&gt; were reduced by specific valuation allowance totaling $&lt;font&gt;520,000&lt;/font&gt; resulting in a net fair value of $&lt;font&gt;469,000&lt;/font&gt;. At December 31, 2013, impaired loans with a carrying value of $&lt;font&gt;3.1&lt;/font&gt; million were reduced by specific valuation allowance totaling $&lt;font&gt;813,000&lt;/font&gt; resulting in a net fair value of $&lt;font&gt;2.3&lt;/font&gt; million.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;December 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Fair Value&lt;/strong&gt;&lt;br/&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Valuation&amp;#160;Techniques&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Unobservable Input&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Range(Wgtd Ave)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 35%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;% to &lt;font&gt;37&lt;/font&gt;%(&lt;font&gt;30&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;15&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;47&lt;/font&gt;% to &lt;font&gt;83&lt;/font&gt;%(&lt;font&gt;55&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;61&lt;/font&gt;%(&lt;font&gt;9&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;December 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Fair Value&lt;/strong&gt;&lt;br/&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Valuation Techniques&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Unobservable Input&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Range(Wgtd Ave)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 35%; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;% to &lt;font&gt;37&lt;/font&gt;%(&lt;font&gt;30&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;15&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;31&lt;/font&gt;% to &lt;font&gt;48&lt;/font&gt;%(&lt;font&gt;38&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;20&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: left; text-indent: -0.25in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(3)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;Includes qualitative adjustments by management and estimated liquidation expenses.&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:FairValueMeasurementInputsDisclosureTextBlock>
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock id="Tag133" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 1)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 2)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 3)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,906&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;105,768&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;15,436&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 2)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 3)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;6,835&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;U.S. Agency mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;123,382&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;11,761&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="Tag134" contextRef="C532216" unitRef="USD" decimals="-3">4931000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="Tag135" contextRef="C532218" unitRef="USD" decimals="-3">1696000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock id="Tag136" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 1)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 2)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;(LEVEL 3)&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;TOTAL&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 2)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;(LEVEL 3)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;br/&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;December 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Fair Value&lt;/strong&gt;&lt;br/&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Valuation&amp;#160;Techniques&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Unobservable Input&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Range(Wgtd Ave)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 35%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;469&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;% to &lt;font&gt;37&lt;/font&gt;%(&lt;font&gt;30&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;15&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;512&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;47&lt;/font&gt;% to &lt;font&gt;83&lt;/font&gt;%(&lt;font&gt;55&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;61&lt;/font&gt;%(&lt;font&gt;9&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div align="center"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;December 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Fair Value&lt;/strong&gt;&lt;br/&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Valuation Techniques&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Unobservable Input&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;Range(Wgtd Ave)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 35%; text-indent: 10px; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;% to &lt;font&gt;37&lt;/font&gt;%(&lt;font&gt;30&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;15&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-size: 10pt;"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,017&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal of collateral&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisal adjustments&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;31&lt;/font&gt;% to &lt;font&gt;48&lt;/font&gt;%(&lt;font&gt;38&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;Liquidation expenses&lt;font style="font-size: 9pt;"&gt;&lt;sup&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1&lt;/font&gt;% to &lt;font&gt;20&lt;/font&gt;%(&lt;font&gt;10&lt;/font&gt;%)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: left; text-indent: -0.25in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 0.5in;"&gt;&lt;/td&gt;
&lt;td style="width: 0.25in; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;(3)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;Includes qualitative adjustments by management and estimated liquidation expenses.&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
  <us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock id="Tag137" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; padding: 0px; text-indent: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding: 0px; text-indent: 10px; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET PERIODIC PENSION COST:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;" colspan="6" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amounts recognized in accumulated other comprehensive loss consists of:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,596&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,107&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,596&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,088&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock>
  <us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock id="Tag138" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ACCUMULATED BENEFIT OBLIGATION:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accumulated benefit obligation&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,914&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;27,566&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock>
  <us-gaap:FinancialInstrumentsDisclosureTextBlock id="Tag139" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 17pt;"&gt;&lt;/td&gt;
&lt;td style="width: 18pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;12.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company's financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Fair values have been determined by the Company using independent third party valuations that uses&lt;b&gt; &lt;/b&gt;best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2014 and 2013, were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="18" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;At December 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Carrying&lt;br/&gt; Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; Fair Value &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 1) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 2) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 3) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="8"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities - AFS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;127,110&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;127,110&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities &amp;#150; HTM&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19,840&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Regulatory stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,173&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans, net of allowance for loan loss and unearned income&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;817,457&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;819,935&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest income receivable&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,127&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Bank owned life insurance&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL LIABILITIES:&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with no stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;301,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;304,744&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;304,744&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;All other borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;55,085&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;59,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;59,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;At December 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Carrying &amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Fair Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 2)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 3)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="7"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities - AFS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;141,978&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;141,978&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;141,978&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities &amp;#150; HTM&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;18,187&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;17,788&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,822&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,966&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Regulatory stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,402&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,453&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,453&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans, net of allowance for loan loss and unearned income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;773,242&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;771,460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest income receivable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Bank owned life insurance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL LIABILITIES:&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with no stated maturities&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;308,138&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,272&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,272&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;All other borrowings&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160; &amp;#160;&amp;#160;&lt;/font&gt;The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current&amp;#160;carrying&amp;#160;value.&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period).&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company's remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:FinancialInstrumentsDisclosureTextBlock>
  <us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock id="Tag140" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;WEIGHTED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;AVERAGE YIELD&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="5" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;BALANCE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.81&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.06&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.51&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.88&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total advances from FHLB&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;42,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;WEIGHTED&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AVERAGE YIELD&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;BALANCE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1.07&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1.47&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total advances from FHLB&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.89&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;25,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
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  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="Tag141" contextRef="C532217" unitRef="USD" decimals="-3">7445000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="Tag142" contextRef="C531653" unitRef="USD" decimals="-3">18116000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
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  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="Tag144" contextRef="C532218" unitRef="USD" decimals="-3">58141000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock id="Tag145" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="18" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;At December 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Carrying&lt;br/&gt; Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; Fair Value &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 1) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 2) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; (Level 3) &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="8"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;32,872&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities - AFS&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities &amp;#150; HTM&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Regulatory stock&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,127&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans, net of allowance for loan loss and unearned income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;817,457&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;819,935&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;819,935&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest income receivable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,127&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Bank owned life insurance&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;37,417&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL LIABILITIES:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with no stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;568,625&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;301,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;304,744&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;304,744&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;38,880&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;All other borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;55,085&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;59,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;59,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,706&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;At December 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Carrying &amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Fair Value&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 2)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(Level 3)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="7"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,066&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities - AFS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;141,978&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities &amp;#150; HTM&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Regulatory stock&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans held for sale&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Loans, net of allowance for loan loss and unearned income&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;771,460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;771,460&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest income receivable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,908&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Bank owned life insurance&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;36,669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCIAL LIABILITIES:&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with no stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;546,384&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;546,384&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;546,384&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deposits with stated maturities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;308,138&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,272&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,272&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,555&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;All other borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;38,085&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,784&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,784&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,784&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:DefinedBenefitPlanSpecialTerminationBenefits id="Tag146" contextRef="C532227" unitRef="USD" xsi:nil="true" />
  <asrv:SpecialTerminationBenefitLiability id="Tag147" contextRef="C532232" unitRef="USD" xsi:nil="true" />
  <us-gaap:OperatingLossCarryforwardsExpirationDate id="Tag148" contextRef="C531332">2025-01-01</us-gaap:OperatingLossCarryforwardsExpirationDate>
  <us-gaap:DefinedBenefitPlanCurtailments id="Tag149" contextRef="C532227" unitRef="USD" xsi:nil="true" />
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock id="Tag150" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top; text-align: justify;"&gt;
&lt;td style="width: 18pt;"&gt;&lt;/td&gt;
&lt;td style="width: 17pt; text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;14.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;EMPLOYEE BENEFIT PLANS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;PENSION PLANS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company has a noncontributory defined benefit pension plan covering all employees who work at least &lt;font&gt;1,000&lt;/font&gt; hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee's years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of &lt;font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 16px; orphans: auto; text-align: left; text-indent: 20px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none;"&gt;the Company's&lt;/font&gt;&amp;#160;common stock valued at $&lt;font&gt;651,000&lt;/font&gt; and is limited to &lt;font&gt;10&lt;/font&gt;% of the plan's assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2014.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;PENSION BENEFITS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CHANGE IN BENEFIT OBLIGATION:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit obligation at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,249&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;29,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,601&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,703&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,368&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Actuarial (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,406&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(757&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Curtailments&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;328&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Special/contractual termination benefits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,627&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,730&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit obligation at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;33,701&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,249&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CHANGE IN PLAN ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Fair value of plan assets at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;21,368&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Actual return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,056&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,850&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Employer contributions&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,650&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,800&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,627&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,730&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Fair value of plan assets at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;27,367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Funded status of the plan - under funded&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(6,334&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,961&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; padding: 0px; text-indent: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; padding: 0px; text-indent: 10px; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET PERIODIC PENSION COST:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;" colspan="6" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amounts recognized in accumulated other comprehensive loss consists of:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,596&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,107&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,596&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,088&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ACCUMULATED BENEFIT OBLIGATION:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accumulated benefit obligation&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,914&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;27,566&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The weighted-average assumptions used to determine benefit obligations at December 31, 2014 and 2013 were as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;WEIGHTED AVERAGE ASSUMPTIONS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salary scale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,601&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,703&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,593&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,368&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,234&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,656&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of prior year service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of transition asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(17&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Special termination benefit liability&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,181&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,375&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,094&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,516&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,465&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,229&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;OTHER&amp;#160;CHANGES&amp;#160;IN&amp;#160;PLAN&amp;#160;ASSETS&amp;#160;AND&amp;#160;BENEFIT&amp;#160;OBLIGATIONS&amp;#160;RECOGNIZED&amp;#160;IN&amp;#160;OTHER&amp;#160;COMPREHENSIVE&amp;#160;LOSS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,669&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,376&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,181&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,375&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,094&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net initial asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;17&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&amp;#160;&amp;#160;recognized in other comprehensive loss before tax effect&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,507&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4,180&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,318&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total recognized in net benefit cost and other comprehensive loss before tax effect&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,715&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,547&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $&lt;font&gt;1,261,000&lt;/font&gt;.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;WEIGHTED AVERAGE ASSUMPTIONS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.75&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company has assumed an &lt;font&gt;8&lt;/font&gt;% long-term expected return on plan assets. This assumption was based upon the plan's historical investment performance over a longer-term period of 15 years combined with the plan's investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately &lt;font&gt;60&lt;/font&gt;% of plan assets.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;PLAN ASSETS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The plan's measurement date is December 31, 2014. This plan's asset allocations at December 31, 2014 and 2013, by asset category are as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ASSET CATEGORY:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Domestic equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Mutual funds/ETFs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;80&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;79&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;International equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The major categories of assets in the Company's Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="8" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Level 1:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;639&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Domestic equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,753&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,741&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;International equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,478&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Mutual funds/ETFs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21,782&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,744&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Level 2:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,342&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,325&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total fair value of plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;27,367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or American Depository Receipts which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between &lt;font&gt;50&lt;/font&gt;% and &lt;font&gt;60&lt;/font&gt;% of the plan assets. This means that fixed income and cash investments typically approximate &lt;font&gt;40&lt;/font&gt;% to &lt;font&gt;50&lt;/font&gt;% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2014, &lt;font&gt;2.4&lt;/font&gt;% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CASH FLOWS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company presently expects that the contribution to be made to the Plan in 2015 will be approximately $&lt;font&gt;2.5&lt;/font&gt; million.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ESTIMATED FUTURE BENEFIT PAYMENTS:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following benefit payments, which reflect future service, as appropriate, are expected to be paid.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font style="font-size: 8pt;"&gt;YEAR&lt;/font&gt;:&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ESTIMATED FUTURE &amp;#160;BENEFIT PAYMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 87%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,939&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,472&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,752&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,434&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,573&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Years 2020 - 2024&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;16,419&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;401(k) PLAN:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first &lt;font&gt;2&lt;/font&gt;% of contribution up to a maximum of &lt;font&gt;1&lt;/font&gt;%. The Company also contributes &lt;font&gt;4&lt;/font&gt;% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a &lt;font&gt;4&lt;/font&gt;% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first &lt;font&gt;6&lt;/font&gt;% of contribution up to a maximum of&amp;#160;&lt;font&gt;3&lt;/font&gt;%. Effective January 1, 2014, any new union employees receive a &lt;font&gt;4&lt;/font&gt;% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match dollar for dollar up to a maximum of &lt;font&gt;4&lt;/font&gt;%. Contributions by the Company charged to operations were $&lt;font&gt;387,000&lt;/font&gt; and $&lt;font&gt;327,000&lt;/font&gt; for the years ended December 31, 2014 and 2013, respectively. The fair value of plan assets includes $&lt;font&gt;1.1&lt;/font&gt; million pertaining to the value of the Company's common stock and Trust Preferred securities that are held by the plan at December 31, 2014.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock id="Tag151" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CHANGE IN BENEFIT OBLIGATION:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit obligation at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;30,249&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;29,844&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,601&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,703&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,368&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Actuarial (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,406&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(757&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Curtailments&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;328&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Special/contractual termination benefits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,627&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,730&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit obligation at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;33,701&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30,249&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CHANGE IN PLAN ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Fair value of plan assets at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;21,368&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Actual return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,056&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,850&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Employer contributions&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,650&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,800&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,627&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,730&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Fair value of plan assets at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;27,367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Funded status of the plan - under funded&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(6,334&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,961&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock>
  <us-gaap:TaxCreditCarryforwardAmount id="Tag152" contextRef="C531653" unitRef="USD" decimals="-5">2800000</us-gaap:TaxCreditCarryforwardAmount>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds id="Tag153" contextRef="C531653" unitRef="USD" decimals="-6">347000000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds>
  <asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock id="Tag154" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;WEIGHTED AVERAGE ASSUMPTIONS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salary scale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock>
  <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock id="Tag155" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,601&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,703&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,593&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,368&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,234&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,991&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,656&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of prior year service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of transition asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(17&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Special termination benefit liability&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,181&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,375&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,094&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,516&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,465&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,229&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock id="Tag156" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;OTHER&amp;#160;CHANGES&amp;#160;IN&amp;#160;PLAN&amp;#160;ASSETS&amp;#160;AND&amp;#160;BENEFIT&amp;#160;OBLIGATIONS&amp;#160;RECOGNIZED&amp;#160;IN&amp;#160;OTHER&amp;#160;COMPREHENSIVE&amp;#160;LOSS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,669&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,376&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,181&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,375&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,094&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;19&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net initial asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;17&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&amp;#160;&amp;#160;recognized in other comprehensive loss before tax effect&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,507&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4,180&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,318&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total recognized in net benefit cost and other comprehensive loss before tax effect&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,715&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,547&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock>
  <asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock id="Tag157" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;WEIGHTED AVERAGE ASSUMPTIONS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.75&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Rate of compensation increase&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.50&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock>
  <us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock id="Tag158" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ASSET CATEGORY:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Domestic equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Mutual funds/ETFs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;80&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;79&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;International equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock>
  <asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock id="Tag159" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="8" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Level 1:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;639&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Domestic equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,753&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,741&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;International equities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;851&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,478&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Mutual funds/ETFs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21,782&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,744&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Level 2:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,342&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,325&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total fair value of plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;27,367&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;26,288&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock id="Tag160" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font style="font-size: 8pt;"&gt;YEAR&lt;/font&gt;:&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ESTIMATED FUTURE &amp;#160;BENEFIT PAYMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 87%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,939&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,472&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,752&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,434&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,573&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Years 2020 - 2024&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;16,419&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock>
  <us-gaap:LeasesOfLesseeDisclosureTextBlock id="Tag161" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;15.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;LEASE COMMITMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0PT;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company's obligation for future minimum lease payments on operating leases at December 31, 2014, is as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR:&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FUTURE MINIMUM&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;LEASE PAYMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 87%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;711&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;426&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;159&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2020 and thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,561&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0PT;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $&lt;font&gt;732,000&lt;/font&gt;, $&lt;font&gt;764,000&lt;/font&gt; and $&lt;font&gt;785,000&lt;/font&gt;, in 2014, 2013, and 2012, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:LeasesOfLesseeDisclosureTextBlock>
  <us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock id="Tag162" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR:&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FUTURE MINIMUM&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;LEASE PAYMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 87%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;711&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;426&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;159&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;2020 and thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,561&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag163" contextRef="C532196" unitRef="USD" decimals="-3">121480000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag164" contextRef="C532196" unitRef="USD" decimals="-3">3129000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag165" contextRef="C532196" unitRef="USD" decimals="-3">1227000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecurities id="Tag166" contextRef="C532196" unitRef="USD" decimals="-3">123382000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag167" contextRef="C531764" unitRef="USD" decimals="-3">140398000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag168" contextRef="C531764" unitRef="USD" decimals="-3">3185000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag169" contextRef="C531764" unitRef="USD" decimals="-3">1605000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecurities id="Tag170" contextRef="C531764" unitRef="USD" decimals="-3">141978000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:HeldToMaturitySecurities id="Tag171" contextRef="C532196" unitRef="USD" decimals="-3">12671000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock id="Tag172" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;16.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;COMMITMENTS AND CONTINGENT LIABILITIES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company's commercial loans.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company's exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2014, the Company had various outstanding commitments to extend credit approximating $&lt;font&gt;188.0&lt;/font&gt; million and standby letters of credit of $&lt;font&gt;7.2&lt;/font&gt; million, compared to commitments to extend credit of $&lt;font&gt;146.0&lt;/font&gt; million and standby letters of credit of $&lt;font&gt;13.2&lt;/font&gt; million at December 31, 2013. Standby letters of credit had terms ranging from &lt;font&gt;1&lt;/font&gt; to &lt;font&gt;2&lt;/font&gt; years with annual extension options available.&lt;b&gt; &lt;/b&gt;Standby letters of credit of approximately $&lt;font&gt;3.3&lt;/font&gt; million were secured as of December 31, 2014 and approximately $&lt;font&gt;3.9&lt;/font&gt; million at December 31, 2013. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $&lt;font&gt;882,000&lt;/font&gt; at December 31, 2014 and $&lt;font&gt;776,000&lt;/font&gt; at December 31, 2013.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company's consolidated financial position, results of operation or cash flows.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:ScheduleOfDividendsPayableTextBlock id="Tag173" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer" align="center"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 80%; margin-left: 0.100000001490116px; margin-right: 0.1px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="3" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="3" align="center"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BEGINNING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ENDING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="3" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ANNUALIZED&amp;#160;DIVIDEND RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 45%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;August 11, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 25%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 25%; text-align: center;" align="right"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.0%&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;January 1, 2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;December 31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.0&lt;/font&gt;% to &lt;font&gt;5.0&lt;/font&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;February 7, 2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.0&lt;/font&gt;% to &lt;font&gt;7.0&lt;/font&gt;%(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;February 8, 2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Redemption&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: center;" align="right"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9.0&lt;font style="color: #000000; font-family: 'times new roman', times; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: -webkit-left; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;"&gt;%(2)&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 3%; vertical-align: top;" valign="top"&gt;&lt;font style="font-size: 10pt;"&gt;(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 96%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt; margin: 0pt 0 0pt 0in;"&gt;Between January 1, 2014 and February 7, 2016, the Company's dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 3%;"&gt;&lt;font style="font-size: 10pt;"&gt;(2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 96%;"&gt;
&lt;div&gt;
&lt;div style="text-align: left;"&gt;&lt;font style="font-size: 10pt; margin: 0pt 0 0pt 0in;"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;br/&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;br/&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDividendsPayableTextBlock>
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&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BLACK-SCHOLES ASSUMPTION RANGES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; font-weight: normal; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.43&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.82&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.03&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.66&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.28&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected lives in years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;28&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;29&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;32&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;33&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;36&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected dividend rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.25&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;1.30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.30&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;%&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
  <us-gaap:DerivativeInceptionDates id="Tag175" contextRef="C532541">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:PreferredStockTextBlock id="Tag176" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;17.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;PREFERRED STOCK&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;SBLF:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury &lt;font&gt;21,000&lt;/font&gt; shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $&lt;font&gt;21&lt;/font&gt; million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at &lt;font&gt;5&lt;/font&gt;% per annum and may be decreased to as low as &lt;font&gt;1&lt;/font&gt;% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Series E Preferred Stock has an aggregate liquidation preference of approximately $&lt;font&gt;21&lt;/font&gt; million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of &amp;#147;qualified small business lending&amp;#148; (&amp;#147;QSBL&amp;#148;) by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the &amp;#147;Baseline&amp;#148;) as follows:&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div&gt;
&lt;div class="CursorPointer" align="center"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 80%; margin-left: 0.100000001490116px; margin-right: 0.1px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="3" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="3" align="center"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BEGINNING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ENDING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="3" align="center"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ANNUALIZED&amp;#160;DIVIDEND RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 45%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;August 11, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 25%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 25%; text-align: center;" align="right"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.0%&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;January 1, 2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;December 31, 2013&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.0&lt;/font&gt;% to &lt;font&gt;5.0&lt;/font&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;January 1, 2014&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;February 7, 2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.0&lt;/font&gt;% to &lt;font&gt;7.0&lt;/font&gt;%(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;February 8, 2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Redemption&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: center;" align="right"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9.0&lt;font style="color: #000000; font-family: 'times new roman', times; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: -webkit-left; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;"&gt;%(2)&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 3%; vertical-align: top;" valign="top"&gt;&lt;font style="font-size: 10pt;"&gt;(1)&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 96%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt; margin: 0pt 0 0pt 0in;"&gt;Between January 1, 2014 and February 7, 2016, the Company's dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 3%;"&gt;&lt;font style="font-size: 10pt;"&gt;(2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 96%;"&gt;
&lt;div&gt;
&lt;div style="text-align: left;"&gt;&lt;font style="font-size: 10pt; margin: 0pt 0 0pt 0in;"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;br/&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;br/&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 12.5pt; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (&lt;font&gt;90&lt;/font&gt;%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the &amp;#147;Tier 1 Dividend Threshold&amp;#148;). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of &lt;font&gt;100&lt;/font&gt;% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:PreferredStockTextBlock>
  <asrv:DividendAnnualizedPeriod id="Tag177" contextRef="C532970">2016-02-08</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="Tag178" contextRef="C532971">2016-02-07</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="Tag179" contextRef="C532972">2014-01-01</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="Tag180" contextRef="C532973">2013-12-31</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="Tag181" contextRef="C532974">2012-01-01</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="Tag182" contextRef="C532975">2011-12-31</asrv:DividendAnnualizedPeriod>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="Tag183" contextRef="C532218" unitRef="USD" decimals="-3">10340000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock id="Tag184" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;18.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STOCK COMPENSATION PLANS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; /* margin: 0pt 0px 0pt 35pt; */ text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company uses the modified prospective method for accounting for stock-based compensation and recognized $&lt;font&gt;42,000&lt;/font&gt; of pretax compensation expense for the year 2014, $&lt;font&gt;82,000&lt;/font&gt; in 2013 and $&lt;font&gt;38,000&lt;/font&gt; in 2012.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; /* margin: 0pt 0px 0pt 35pt; */ text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;During 2011, the Company's Board adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering &lt;font&gt;800,000&lt;/font&gt; shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board. The option price at which a granted stock option may be exercised was not less than &lt;font&gt;100&lt;/font&gt;% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed &lt;font&gt;10&lt;/font&gt; years. Generally, options vest over a &lt;font&gt;three&lt;/font&gt; year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; /* margin: 0pt 0px 0pt 35pt; */ text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;A summary of the status of the Company's Stock Incentive Plan at December 31, 2014, 2013, and 2012, and changes during the years then ended is presented in the table and narrative following:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;SHARES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; WEIGHTED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AVERAGE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXERCISE&lt;br/&gt;PRICE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SHARES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; WEIGHTED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AVERAGE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXERCISE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PRICE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SHARES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; WEIGHTED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AVERAGE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXERCISE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PRICE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 34%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,612&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Granted&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;102,445&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3.19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;164,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Exercised&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(10,700&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.25&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,467&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,500&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
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&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.08&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(10,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(77,982&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.47&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;559,909&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;487,349&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.55&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;398,371&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.43&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Exercisable at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;330,822&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.36&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;257,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;167,624&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.29&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Weighted&amp;#160;average&amp;#160;fair&amp;#160;value&amp;#160;of&amp;#160;options&amp;#160;granted&amp;#160;in&amp;#160;current&amp;#160;year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.85&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.83&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.80&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin-bottom: 0pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;A total of &lt;font&gt;330,822&lt;/font&gt; of the &lt;font&gt;559,909&lt;/font&gt; options outstanding at December 31, 2014, are exercisable and have exercise prices between $&lt;font&gt;1.53&lt;/font&gt; and $&lt;font&gt;5.22&lt;/font&gt;, with a weighted average exercise price of $&lt;font&gt;2.36&lt;/font&gt;&amp;#160;and a weighted average remaining contractual life of &lt;font&gt;6.10&lt;/font&gt; years. All of these options are exercisable. The remaining &lt;font&gt;229,087&lt;/font&gt; options that are not yet exercisable have exercise prices between $&lt;font&gt;2.57&lt;/font&gt; and $&lt;font&gt;3.23&lt;/font&gt;, with a weighted average exercise price of $&lt;font&gt;3.09&lt;/font&gt; and a weighted average remaining contractual life of &lt;font&gt;8.63&lt;/font&gt;&lt;b&gt; &lt;/b&gt;years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2014, 2013, and 2012.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-stretch: normal;" cellspacing="0" cellpadding="0"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BLACK-SCHOLES ASSUMPTION RANGES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; font-weight: normal; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.43&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.74&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.82&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.03&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.66&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;2.28&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected lives in years&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;28&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;29&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;32&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;33&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;36&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Expected dividend rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.25&amp;#160;&lt;/font&gt;-&amp;#160;&lt;font&gt;1.30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.30&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"&gt;%&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
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&lt;/div&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;SHARES&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; WEIGHTED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SHARES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
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&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AVERAGE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXERCISE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PRICE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SHARES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; WEIGHTED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AVERAGE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXERCISE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PRICE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
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&lt;td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 34%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Outstanding at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;487,349&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.55&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;398,371&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.43&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;313,612&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3.02&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;115,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.18&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;102,445&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3.19&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;164,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(10,700&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.25&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,467&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,500&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.70&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(31,740&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3.08&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(10,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(77,982&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.47&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Outstanding at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;559,909&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.66&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;487,349&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.55&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;398,371&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.43&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Exercisable at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;330,822&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2.36&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;257,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;167,624&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.29&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Weighted&amp;#160;average&amp;#160;fair&amp;#160;value&amp;#160;of&amp;#160;options&amp;#160;granted&amp;#160;in&amp;#160;current&amp;#160;year&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.85&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.83&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.80&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;strong&gt;YEAR ENDING DECEMBER&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="10"&gt;
&lt;p style="margin: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDING DECEMBER&amp;#160;31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;Defined&amp;#160;&lt;br/&gt;Benefit&lt;br/&gt; Pension&amp;#160;&lt;br/&gt;Items (1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;Total(1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Net&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Unrealized&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Gains and&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Losses on&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Investment&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Securities&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AFS (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Defined&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Benefit&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; Pension&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Items (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Total(1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,043&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(6,918&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5,875&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,141&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(9,520&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,379&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&amp;#160;comprehensive&amp;#160;income&amp;#160;(loss)&amp;#160;before&amp;#160;reclassifications&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,354&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,963&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,161&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amounts&amp;#160;reclassified&amp;#160;from&amp;#160;accumulated&amp;#160;other&amp;#160;comprehensive&amp;#160;loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(117&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(6,918&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,875&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(1) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Amounts in parentheses indicate debits on the Consolidated Balance Sheets.&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</asrv:ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ComprehensiveIncomeNoteTextBlock id="Tag187" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;19.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ACCUMULATED OTHER COMPREHENSIVE LOSS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the periods ending December 31, 2014 and 2013 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 1079px; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;strong&gt;YEAR ENDING DECEMBER&amp;#160;31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="10"&gt;
&lt;p style="margin: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDING DECEMBER&amp;#160;31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;Net &lt;br/&gt;Unrealized &lt;br/&gt;Gains and &lt;br/&gt;Losses on&lt;br/&gt;Investment &lt;br/&gt;Securities AFS (1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;Defined&amp;#160;&lt;br/&gt;Benefit&lt;br/&gt; Pension&amp;#160;&lt;br/&gt;Items (1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;Total(1)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Net&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Unrealized&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Gains and&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Losses on&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Investment&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Securities&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AFS (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Defined&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Benefit&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; Pension&amp;#160;&lt;br/&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Items (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Total(1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Beginning balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,043&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(6,918&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5,875&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,141&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(9,520&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,379&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amounts&amp;#160;reclassified&amp;#160;from&amp;#160;accumulated&amp;#160;other&amp;#160;comprehensive&amp;#160;loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(117&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net&amp;#160;current&amp;#160;period&amp;#160;other&amp;#160;comprehensive&amp;#160;income&amp;#160;(loss)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,602&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(496&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,843&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(8,745&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(6,902&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,043&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(6,918&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,875&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(1) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Amounts in parentheses indicate debits on the Consolidated Balance Sheets.&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;

&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2014 and 2013 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 92%; /* margin-left: 0.5in;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Amount reclassified from accumulated&lt;br/&gt; other comprehensive loss (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Details about accumulated other &lt;br/&gt;comprehensive loss components&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;YEAR ENDING DECEMBER&amp;#160;31,&lt;br/&gt; 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDING DECEMBER 31,&lt;br/&gt; 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Affected line item in the statement&lt;br/&gt; of operations&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized gains and losses on sale of securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 39%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(177&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(204&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 30%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net realized gains on investment &amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;60&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;69&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(117&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(135&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of defined benefit items (2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;683&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(14&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Transition asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;799&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Pretax income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(272&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(228&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;527&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;441&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total reclassifications for the period&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;306&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(1) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Amounts in parentheses indicate credits.&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(2) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/font&gt;&lt;br/&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ComprehensiveIncomeNoteTextBlock>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="Tag188" contextRef="C532216" unitRef="USD" decimals="-3">1000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
  <asrv:ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock id="Tag189" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2014 and 2013 (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 92%; /* margin-left: 0.5in;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Amount reclassified from accumulated&lt;br/&gt; other comprehensive loss (1)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Details about accumulated other &lt;br/&gt;comprehensive loss components&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;YEAR ENDING DECEMBER&amp;#160;31,&lt;br/&gt; 2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDING DECEMBER 31,&lt;br/&gt; 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;Affected line item in the statement&lt;br/&gt; of operations&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt; &lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized gains and losses on sale of securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 39%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(177&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(204&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 30%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net realized gains on investment &amp;#160;securities&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;60&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;69&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(117&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(135&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net of tax&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Amortization of defined benefit items (2)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Recognized net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;683&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(14&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Transition asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;799&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;669&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Pretax income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(272&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(228&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;527&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;441&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total reclassifications for the period&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;410&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;306&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(1) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Amounts in parentheses indicate credits.&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;table width="100%" cellpadding="0" border="0" cellspacing="0"&gt;

&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;(2) &lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).&lt;br/&gt;&lt;/font&gt;&lt;/font&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td style="width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="width: 1%;"&gt;&lt;/td&gt;
&lt;td style="width: 98%;"&gt;
&lt;div&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/font&gt;&lt;br/&gt;&lt;/div&gt;
&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</asrv:ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock>
  <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock id="Tag190" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div align="left"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDED DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;b&gt;RETAIL&amp;#160;&lt;/b&gt;&lt;b&gt;BANKING&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; COMMERCIAL&amp;#160;BANKING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; TRUST &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; INVESTMENT/ PARENT &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;20,141&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;16,777&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;47&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,921&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,044&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for loan loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;57&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;318&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;375&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,633&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;381&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,118&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;191&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,323&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;22,531&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,967&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,005&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;43,371&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,186&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,972&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,198&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5,735&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,621&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;958&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,819&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;634&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,228&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,153&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;564&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,922&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;563,690&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,015&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;144,549&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,089,263&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RETAIL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;COMMERCIAL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TRUST&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INVESTMENT/ &lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PARENT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,223&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15,687&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,084&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;32,861&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Credit provision for loan loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(92&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,008&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,512&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;642&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,391&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;199&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15,744&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;22,870&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,148&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,600&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;42,223&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,821&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,485&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,165&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,166&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;619&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,661&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,792&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,023&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,202&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,824&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;347,823&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;545,556&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,722&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;157,935&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,056,036&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RETAIL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; COMMERCIAL&amp;#160;BANKING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt; &amp;#160; &lt;strong&gt;TRUST &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INVESTMENT/&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PARENT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,499&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,916&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;32,203&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Credit provision for loan loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(160&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(615&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,565&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,784&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,943&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;22,802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,970&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,387&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,641&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,508&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,729&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,432&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,389&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,358&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,044&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;487&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,648&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,685&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;945&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,741&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;336,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;497,331&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,429&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;162,990&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,000,991&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock>
  <us-gaap:ScheduleOfGoodwillTextBlock id="Tag191" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 70%; /* margin-left: 1in;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 64%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Balance&amp;#160;at&amp;#160;January&amp;#160;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Goodwill&amp;#160;impairment&amp;#160;charge&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(669&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Balance&amp;#160;at&amp;#160;December&amp;#160;31&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,944&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;br/&gt;&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfGoodwillTextBlock>
  <us-gaap:ScheduleOfDerivativeInstrumentsTextBlock id="Tag192" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;START DATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;MATURITY &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;HEDGE TYPE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;NOTIONAL &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RECEIVED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PAID&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;REPRICING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FREQUENCY&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INCREASE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; (DECREASE)&amp;#160; IN&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; INTEREST&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXPENSE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;12/12/08&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;09/24/13&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,000,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;MONTHLY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12.5%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;165,488&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;12/12/08&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;09/24/13&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,000,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;MONTHLY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(165,488&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsTextBlock>
  <us-gaap:DerivativeMaturityDates id="Tag193" contextRef="C532540">2013-09-24</us-gaap:DerivativeMaturityDates>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="Tag194" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;" class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top; text-align: justify;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;23.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;REGULATORY CAPITAL&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2014 and 2013, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company's tangible common equity ratio was &lt;font&gt;7.56&lt;/font&gt;% and &lt;font&gt;7.64&lt;/font&gt;% for 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="22" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AS OF DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;ACTUAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;FOR CAPITAL&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;ADEQUACY&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;PURPOSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; TO&amp;#160;BE&amp;#160;WELL&lt;br/&gt;CAPITALIZED&amp;#160;UNDER&lt;br/&gt;PROMPT&amp;#160;CORRECTIVE&lt;br/&gt;ACTION&amp;#160;PROVISIONS &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="22" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman'; text-indent: 0px;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"&gt;&lt;font style="font-size: 10pt; font-family: 'times new roman', times;"&gt;Total Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;131,497&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tier 1 Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tier 1 Capital (To Average Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;120,992&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11.34&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;42,662&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;53,327&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;95,579&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;52,010&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AS OF DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
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&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;br/&gt; &lt;br/&gt; &lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ACTUAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FOR CAPITAL &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ADEQUACY &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PURPOSES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; TO&amp;#160;BE&amp;#160;WELL&lt;br/&gt;CAPITALIZED&amp;#160;UNDER&lt;br/&gt;PROMPT&amp;#160;CORRECTIVE&lt;br/&gt;ACTION&amp;#160;PROVISIONS &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATIO&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATIO&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATIO&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;128,469&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15.28&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;67,247&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;84,059&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-size: 10pt; font-family: 'times new roman', times;"&gt;Tier 1 Capital (To Average Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;117,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11.45&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;41,204&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;51,505&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;92,611&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9.23&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,124&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;50,155&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;On July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &amp;#147;Basel III&amp;#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&amp;amp;A.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="Tag195" contextRef="C532550" unitRef="USD" decimals="-3">7200000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="Tag196" contextRef="C532539" unitRef="USD" decimals="-3">146000000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="Tag197" contextRef="C532551" unitRef="USD" decimals="-3">13200000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <asrv:DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld id="Tag198" contextRef="C531653" unitRef="USD" decimals="-5">1100000</asrv:DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld>
  <us-gaap:DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear id="Tag199" contextRef="C532458" unitRef="USD" decimals="-3">2500000</us-gaap:DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear>
  <us-gaap:EarlyRepaymentOfSubordinatedDebt id="Tag200" contextRef="C533643" unitRef="USD" decimals="-5">22500000</us-gaap:EarlyRepaymentOfSubordinatedDebt>
  <us-gaap:JuniorSubordinatedNotes id="Tag201" contextRef="C533635" unitRef="USD" decimals="-5">13100000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:EarlyRepaymentOfSubordinatedDebt id="Tag202" contextRef="C533636" unitRef="USD" decimals="-5">22500000</us-gaap:EarlyRepaymentOfSubordinatedDebt>
  <us-gaap:JuniorSubordinatedNotes id="Tag203" contextRef="C533642" unitRef="USD" decimals="-5">13100000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="Tag204" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="22" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AS OF DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt; &lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;ACTUAL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;FOR CAPITAL&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;ADEQUACY&lt;/b&gt; &lt;/font&gt;&lt;br/&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;PURPOSES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; TO&amp;#160;BE&amp;#160;WELL&lt;br/&gt;CAPITALIZED&amp;#160;UNDER&lt;br/&gt;PROMPT&amp;#160;CORRECTIVE&lt;br/&gt;ACTION&amp;#160;PROVISIONS &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATIO&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="22" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman'; text-indent: 0px;"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"&gt;&lt;font style="font-size: 10pt; font-family: 'times new roman', times;"&gt;Total Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;131,497&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14.80&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;71,066&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;88,833&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;106,084&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12.07&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tier 1 Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tier 1 Capital (To Average Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;53,327&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;95,579&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9.19&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;41,608&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;52,010&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AS OF DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;br/&gt; &lt;br/&gt; &lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ACTUAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FOR CAPITAL &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;ADEQUACY &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PURPOSES&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; TO&amp;#160;BE&amp;#160;WELL&lt;br/&gt;CAPITALIZED&amp;#160;UNDER&lt;br/&gt;PROMPT&amp;#160;CORRECTIVE&lt;br/&gt;ACTION&amp;#160;PROVISIONS &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATIO&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATIO&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;br/&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;128,469&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15.28&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;67,247&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;84,059&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;66,506&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;83,132&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tier 1 Capital (To Risk Weighted Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14.03&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;33,624&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;50,435&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;92,611&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11.14&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;33,253&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;49,879&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"&gt;&lt;font style="font-size: 10pt; font-family: 'times new roman', times;"&gt;Tier 1 Capital (To Average Assets) Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;117,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11.45&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;51,505&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;AmeriServ Financial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;92,611&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9.23&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,124&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;50,155&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable id="Tag205" contextRef="C531653" unitRef="USD" decimals="-6">39000000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable>
  <us-gaap:DebtInstrumentFaceAmount id="Tag206" contextRef="C533642" unitRef="USD" decimals="-5">34500000</us-gaap:DebtInstrumentFaceAmount>
  <us-gaap:Depreciation id="Tag207" contextRef="C531332" unitRef="USD" decimals="-5">1800000</us-gaap:Depreciation>
  <us-gaap:Depreciation id="Tag208" contextRef="C531658" unitRef="USD" decimals="-5">1700000</us-gaap:Depreciation>
  <asrv:MaximumNotionalAmountOfDerivativesOutstanding id="Tag209" contextRef="C531653" unitRef="USD" decimals="-6">500000000</asrv:MaximumNotionalAmountOfDerivativesOutstanding>
  <us-gaap:Goodwill id="Tag210" contextRef="C532498" unitRef="USD" decimals="-5">9500000</us-gaap:Goodwill>
  <us-gaap:Goodwill id="Tag211" contextRef="C533448" unitRef="USD" decimals="-5">2400000</us-gaap:Goodwill>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock id="Tag212" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 16.55pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;24.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;PARENT COMPANY FINANCIAL INFORMATION&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0 0 0 16.55pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;BALANCE SHEETS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ASSETS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term investments in money market funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,784&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,561&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,714&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11,909&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity investment in banking subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100,473&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;99,250&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity investment in non-banking subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,685&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,321&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;209&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;224&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,698&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,352&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL ASSETS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128,663&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;127,717&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Guaranteed junior subordinated deferrable interest debentures&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,085&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;13,085&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,171&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,325&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,410&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STOCKHOLDERS' EQUITY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total stockholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;114,407&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;113,307&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128,663&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;127,717&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STATEMENTS OF OPERATIONS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Inter-entity management and other fees&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,432&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,355&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,355&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Dividends from banking subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,500&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,500&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Dividends from non-banking subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;870&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;675&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;710&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest and dividend income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;243&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;306&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,064&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,773&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11,371&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;EXPENSE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,576&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,502&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,368&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,608&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,582&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL EXPENSE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,693&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,071&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED&amp;#160;&amp;#160;EARNINGS OF SUBSIDIARIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(629&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,542&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,020&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;819&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity in undistributed earnings of subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,632&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;756&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,080&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;COMPREHENSIVE INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,697&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,320&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;

&lt;div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STATEMENTS OF CASH FLOWS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
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&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
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&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;/td&gt;
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&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;OPERATING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
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&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Adjustment to reconcile net income to net cash (used in) provided by operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity in undistributed earnings of subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(756&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Stock compensation expense&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;42&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;82&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other &lt;font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;"&gt;&amp;#150;&lt;/font&gt;&amp;#160;net&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(505&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(718&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(989&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(72&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,801&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,168&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INVESTING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Purchase of investment securities &amp;#150; available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,027&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,885&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,077&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Proceeds from maturity of investment securities &amp;#150; available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,284&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,506&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,809&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;257&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,379&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;732&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Purchase of treasury stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,171&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4,417&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Preferred stock dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(209&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Common stock dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(752&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(566&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH USED IN FINANCING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(962&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,946&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,245&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(777&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;476&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,655&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,661&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,530&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,884&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,661&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;

&lt;p style="margin: 0pt; orphans: 0; widows: 0; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'Times New Roman'; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0 0 0 16.55pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank's capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank's retained net income for the current and preceding two calendar years. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $&lt;font&gt;105,400,000&lt;/font&gt; of restricted surplus and retained earnings at December 31, 2014.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock id="Tag213" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;BALANCE SHEETS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2014&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;ASSETS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Short-term investments in money market funds&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,784&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,561&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,714&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11,909&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity investment in banking subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;100,473&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;99,250&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity investment in non-banking subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,685&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,321&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;209&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;224&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,698&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,352&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL ASSETS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128,663&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;127,717&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Guaranteed junior subordinated deferrable interest debentures&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,085&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;13,085&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,171&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,325&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL LIABILITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;14,256&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,410&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STOCKHOLDERS' EQUITY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total stockholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;114,407&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;113,307&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;128,663&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;127,717&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock id="Tag214" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STATEMENTS OF OPERATIONS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Inter-entity management and other fees&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,432&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,355&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,355&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Dividends from banking subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,500&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,500&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Dividends from non-banking subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;870&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;675&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;710&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest and dividend income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;262&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;243&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;306&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,064&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,773&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;11,371&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;EXPENSE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,121&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,576&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,502&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,368&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,608&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,582&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;TOTAL EXPENSE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,693&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,231&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,071&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED&amp;#160;&amp;#160;EARNINGS OF SUBSIDIARIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(629&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,542&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,300&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Benefit for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,020&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;819&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity in undistributed earnings of subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,632&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;756&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,080&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;COMPREHENSIVE INCOME&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,996&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,697&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,320&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag215" contextRef="C532217" unitRef="USD" decimals="-3">15497000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag216" contextRef="C532217" unitRef="USD" decimals="-3">61000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag217" contextRef="C532217" unitRef="USD" decimals="-3">122000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag218" contextRef="C532218" unitRef="USD" decimals="-3">102888000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag219" contextRef="C532218" unitRef="USD" decimals="-3">3197000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag220" contextRef="C532218" unitRef="USD" decimals="-3">317000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag221" contextRef="C531653" unitRef="USD" decimals="-3">124316000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag222" contextRef="C531653" unitRef="USD" decimals="-3">3279000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock id="Tag223" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;STATEMENTS OF CASH FLOWS&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellspacing="0" cellpadding="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="10"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;2014&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;OPERATING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Adjustment to reconcile net income to net cash (used in) provided by operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Equity in undistributed earnings of subsidiaries&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,632&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(756&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,080&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Stock compensation expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;42&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;82&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;38&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other &lt;font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;"&gt;&amp;#150;&lt;/font&gt;&amp;#160;net&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(505&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(718&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(989&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(72&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,801&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,168&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INVESTING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Purchase of investment securities &amp;#150; available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,027&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,885&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,077&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Proceeds from maturity of investment securities &amp;#150; available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,284&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,506&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,809&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;257&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,379&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;732&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FINANCING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Purchase of treasury stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,171&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4,417&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Preferred stock dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(210&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(209&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(828&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Common stock dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(752&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(566&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET CASH USED IN FINANCING ACTIVITIES&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(962&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,946&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,245&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(777&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;476&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,655&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6,661&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,530&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,884&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,661&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,185&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag224" contextRef="C532220" unitRef="USD" decimals="-3">6000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag225" contextRef="C532220" unitRef="USD" decimals="-3">28000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag226" contextRef="C532220" unitRef="USD" decimals="-3">3973000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag227" contextRef="C531653" unitRef="USD" decimals="-3">19840000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag228" contextRef="C531653" unitRef="USD" decimals="-3">475000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag229" contextRef="C531653" unitRef="USD" decimals="-3">102000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag230" contextRef="C531653" unitRef="USD" decimals="-3">20213000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="Tag231" contextRef="C531934" unitRef="USD" decimals="-3">6926000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="Tag232" contextRef="C531934" unitRef="USD" decimals="-3">35000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag233" contextRef="C531934" unitRef="USD" decimals="-3">126000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:AvailableForSaleSecurities id="Tag234" contextRef="C531934" unitRef="USD" decimals="-3">6835000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:QuarterlyFinancialInformationTextBlock id="Tag235" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;" class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 16.55pt; font-family: 'times new roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;25.&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (unaudited)&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014 QUARTER ENDED&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;DEC. 31&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;SEPT. 30&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;JUNE 30&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;MARCH 31&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; text-align: left; width: 48%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,344&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,019&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,983&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,095&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,612&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,599&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,570&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,732&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,403&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;375&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income after provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,357&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,403&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,560&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,593&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,638&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,532&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,770&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,243&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,620&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,738&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,147&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;753&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,402&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,319&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 11.8pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;398&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;388&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;423&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;389&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;749&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;365&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;979&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;930&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.04&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.02&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.04&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.02&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash dividends declared per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;


&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013 QUARTER ENDED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DEC. 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SEPT. 30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;JUNE 30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;MARCH 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; text-align: left; width: 48%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,203&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,811&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,627&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,702&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,611&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,606&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,660&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,200&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,021&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision (credit) for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income after provision (credit) for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,871&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,867&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,504&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,486&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;878&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;547&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;434&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;430&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,841&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,226&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,070&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,056&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.06&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.09&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.06&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash dividends declared per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;div class="CursorPointer"&gt;&lt;br/&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="Tag236" contextRef="C531653" unitRef="USD" decimals="-3">485000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <us-gaap:HeldToMaturitySecurities id="Tag237" contextRef="C532218" unitRef="USD" decimals="-3">12481000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag238" contextRef="C532218" unitRef="USD" decimals="-3">395000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag239" contextRef="C532218" unitRef="USD" decimals="-3">50000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag240" contextRef="C532218" unitRef="USD" decimals="-3">12826000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag241" contextRef="C532219" unitRef="USD" decimals="-3">3364000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag242" contextRef="C532219" unitRef="USD" decimals="-3">74000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag243" contextRef="C532219" unitRef="USD" decimals="-3">24000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag244" contextRef="C532219" unitRef="USD" decimals="-3">3414000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag245" contextRef="C532220" unitRef="USD" decimals="-3">3995000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock id="Tag246" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014 QUARTER ENDED&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;DEC. 31&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;SEPT. 30&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;JUNE 30&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;MARCH 31&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; text-align: left; width: 48%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,344&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,019&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,983&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,095&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,612&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,616&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,599&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,570&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,732&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,403&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;375&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;-&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income after provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,357&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,403&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,384&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,525&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,560&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,593&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,638&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,532&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,770&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,243&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,620&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,738&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,147&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;753&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,402&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,319&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 11.8pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;398&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;388&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;423&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;389&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;749&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;365&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;979&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;930&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.04&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.02&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.04&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.02&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash dividends declared per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;


&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013 QUARTER ENDED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DEC. 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;SEPT. 30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;JUNE 30&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;MARCH 31&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; text-align: left; width: 48%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,203&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,811&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,627&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,702&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,611&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,606&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,660&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,200&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,021&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,042&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision (credit) for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(250&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income after provision (credit) for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,598&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,200&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,871&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,292&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,867&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,986&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,075&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,816&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,746&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,413&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,442&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,622&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,719&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,773&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,504&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,486&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;878&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;547&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;434&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;430&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,841&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,226&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,070&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,056&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Basic earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.10&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.06&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Diluted earnings per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.09&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.06&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.05&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Cash dividends declared per common share&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.01&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;0.00&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock>
  <dei:EntityRegistrantName id="Tag247" contextRef="C531332">AMERISERV FINANCIAL INC /PA/</dei:EntityRegistrantName>
  <dei:EntityCentralIndexKey id="Tag248" contextRef="C531332">0000707605</dei:EntityCentralIndexKey>
  <dei:DocumentType id="Tag249" contextRef="C531332">10-K</dei:DocumentType>
  <dei:DocumentPeriodEndDate id="Tag250" contextRef="C531332">2014-12-31</dei:DocumentPeriodEndDate>
  <dei:AmendmentFlag id="Tag251" contextRef="C531332">false</dei:AmendmentFlag>
  <dei:CurrentFiscalYearEndDate id="Tag252" contextRef="C531332">--12-31</dei:CurrentFiscalYearEndDate>
  <dei:EntityWellKnownSeasonedIssuer id="Tag253" contextRef="C531332">No</dei:EntityWellKnownSeasonedIssuer>
  <dei:EntityVoluntaryFilers id="Tag254" contextRef="C531332">No</dei:EntityVoluntaryFilers>
  <dei:EntityCurrentReportingStatus id="Tag255" contextRef="C531332">Yes</dei:EntityCurrentReportingStatus>
  <dei:EntityFilerCategory id="Tag256" contextRef="C531332">Smaller Reporting Company</dei:EntityFilerCategory>
  <dei:DocumentFiscalYearFocus id="Tag257" contextRef="C531332">2014</dei:DocumentFiscalYearFocus>
  <dei:DocumentFiscalPeriodFocus id="Tag258" contextRef="C531332">FY</dei:DocumentFiscalPeriodFocus>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="Tag259" contextRef="C532549" unitRef="USD" decimals="-3">188000000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag260" contextRef="C532196" unitRef="USD" decimals="-3">289000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag261" contextRef="C532196" unitRef="USD" decimals="-3">477000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag262" contextRef="C532196" unitRef="USD" decimals="-3">12483000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag263" contextRef="C532208" unitRef="USD" decimals="-3">1521000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag264" contextRef="C532208" unitRef="USD" xsi:nil="true" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag265" contextRef="C532208" unitRef="USD" decimals="-3">120000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag266" contextRef="C532208" unitRef="USD" decimals="-3">1401000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag267" contextRef="C532209" unitRef="USD" decimals="-3">3995000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag268" contextRef="C532209" unitRef="USD" xsi:nil="true" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag269" contextRef="C532209" unitRef="USD" decimals="-3">91000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag270" contextRef="C532209" unitRef="USD" decimals="-3">3904000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecurities id="Tag271" contextRef="C531764" unitRef="USD" decimals="-3">18187000</us-gaap:HeldToMaturitySecurities>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains id="Tag272" contextRef="C531764" unitRef="USD" decimals="-3">289000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses id="Tag273" contextRef="C531764" unitRef="USD" decimals="-3">688000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="Tag274" contextRef="C531764" unitRef="USD" decimals="-3">17788000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="Tag275" contextRef="C531332" unitRef="Shares" decimals="-3">18908000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="Tag276" contextRef="C531658" unitRef="Shares" decimals="-3">19034000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="Tag277" contextRef="C531659" unitRef="Shares" decimals="-3">19747000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:NetIncomeLoss id="Tag278" contextRef="C531332" unitRef="USD" decimals="-3">3023000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="Tag279" contextRef="C531658" unitRef="USD" decimals="-3">5193000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="Tag280" contextRef="C531659" unitRef="USD" decimals="-3">5039000</us-gaap:NetIncomeLoss>
  <us-gaap:DividendsPreferredStock id="Tag281" contextRef="C531332" unitRef="USD" decimals="-3">210000</us-gaap:DividendsPreferredStock>
  <us-gaap:DividendsPreferredStock id="Tag282" contextRef="C531658" unitRef="USD" decimals="-3">209000</us-gaap:DividendsPreferredStock>
  <us-gaap:DividendsPreferredStock id="Tag283" contextRef="C531659" unitRef="USD" decimals="-3">828000</us-gaap:DividendsPreferredStock>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="Tag284" contextRef="C531332" unitRef="USD" decimals="-3">2813000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="Tag285" contextRef="C531658" unitRef="USD" decimals="-3">4984000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="Tag286" contextRef="C531659" unitRef="USD" decimals="-3">4211000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="Tag287" contextRef="C531332" unitRef="Shares" decimals="-3">18793000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="Tag288" contextRef="C531658" unitRef="Shares" decimals="-3">18942000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="Tag289" contextRef="C531659" unitRef="Shares" decimals="-3">19685000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <asrv:IncrementalCommonSharesAttributableToStockOptions id="Tag290" contextRef="C531332" unitRef="Shares" decimals="-3">115000</asrv:IncrementalCommonSharesAttributableToStockOptions>
  <asrv:IncrementalCommonSharesAttributableToStockOptions id="Tag291" contextRef="C531658" unitRef="Shares" decimals="-3">92000</asrv:IncrementalCommonSharesAttributableToStockOptions>
  <asrv:IncrementalCommonSharesAttributableToStockOptions id="Tag292" contextRef="C531659" unitRef="Shares" decimals="-3">62000</asrv:IncrementalCommonSharesAttributableToStockOptions>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="Tag293" contextRef="C531332" unitRef="USD" decimals="-3">2770000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="Tag294" contextRef="C531658" unitRef="USD" decimals="-3">-3942000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="Tag295" contextRef="C531659" unitRef="USD" decimals="-3">2127000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
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&lt;td style="width: 17pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;13.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INCOME TAXES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
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&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,036&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;139&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;140&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deferred&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;562&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,101&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The reconciliation between the federal statutory tax rate and the Company's effective consolidated income tax rate is as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income&amp;#160;tax&amp;#160;expense&amp;#160;based&amp;#160;on&amp;#160;federal&amp;#160;statutory&amp;#160;rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,571&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,544&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,475&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tax exempt income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(274&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5.9&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(359&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4.8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(315&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4.3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;301&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6.5&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;104&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total expense for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34.6&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30.6&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30.8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div class="CursorPointer"&gt;
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&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DEFERRED TAX ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,272&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,437&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unfunded commitment reserve&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;300&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;264&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Premises and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,433&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued pension obligation&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,358&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,462&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net operating loss carryforwards&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;242&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,307&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Alternative minimum tax credits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,820&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,749&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;349&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;393&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,774&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,444&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DEFERRED TAX LIABILITIES:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment accretion&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(25&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(18&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized investment security gains&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(950&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(545&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(251&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(309&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total tax liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,226&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(872&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,548&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,572&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;At December 31, 2014 and 2013, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and alternative minimum tax (AMT) credits.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The change in net deferred tax assets and liabilities consist of the following:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized gains recognized in comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(404&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Pension obligation of the defined benefit plan not yet recognized in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;942&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,340&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deferred provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(562&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net decrease&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company has AMT&amp;#160;credit carryforwards of approximately $&lt;font&gt;2.8&lt;/font&gt; million at December 31, 2014. These credits have an indefinite carryforward period. The Company also has a $&lt;font&gt;713,000&lt;/font&gt; net operating loss carryforward that will begin to expire in the year 2025.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company's federal and state income tax returns for taxable years through 2010 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock id="Tag1150" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Current&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,036&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;139&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;140&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deferred&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;562&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,101&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock id="Tag1151" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;AMOUNT&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;RATE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #ffffff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income&amp;#160;tax&amp;#160;expense&amp;#160;based&amp;#160;on&amp;#160;federal&amp;#160;statutory&amp;#160;rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,571&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,544&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,475&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;34.0&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Tax exempt income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(274&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5.9&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(359&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4.8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(315&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(4.3&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;301&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;6.5&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;104&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.4&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1.1&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total expense for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34.6&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;%&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30.6&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;30.8&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses id="Tag1152" contextRef="C531764" unitRef="USD" decimals="-3">3437000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves id="Tag1153" contextRef="C531653" unitRef="USD" decimals="-3">300000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves>
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock id="Tag1154" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AT DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DEFERRED TAX ASSETS:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,272&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,437&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unfunded commitment reserve&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;300&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;264&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Premises and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,433&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,832&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Accrued pension obligation&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,358&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,462&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net operating loss carryforwards&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;242&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,307&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Alternative minimum tax credits&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,820&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,749&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;349&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;393&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,774&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,444&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DEFERRED TAX LIABILITIES:&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Investment accretion&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(25&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(18&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized investment security gains&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(950&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(545&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(251&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(309&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total tax liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,226&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(872&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;9,548&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,572&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock id="Tag1155" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED&amp;#160;&lt;/font&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DECEMBER 31,&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Unrealized gains recognized in comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(404&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,595&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Pension obligation of the defined benefit plan not yet recognized in income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;942&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,340&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Deferred provision for income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(562&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net decrease&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(24&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,895&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

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&lt;/div&gt;</asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock>
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  <us-gaap:DefinedBenefitPlanActuarialGainLoss id="Tag1162" contextRef="C532458" unitRef="USD" decimals="-3">-3406000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
  <us-gaap:DefinedBenefitPlanActuarialGainLoss id="Tag1163" contextRef="C532227" unitRef="USD" decimals="-3">757000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
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  <us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment id="Tag1171" contextRef="C531764" unitRef="USD" decimals="-3">1832000</us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment>
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  <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards id="Tag1175" contextRef="C531764" unitRef="USD" decimals="-3">1307000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
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  <us-gaap:DeferredTaxAssetsOther id="Tag1179" contextRef="C531764" unitRef="USD" decimals="-3">393000</us-gaap:DeferredTaxAssetsOther>
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  <us-gaap:DeferredTaxAssetsNet id="Tag1181" contextRef="C531764" unitRef="USD" decimals="-3">10444000</us-gaap:DeferredTaxAssetsNet>
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  <us-gaap:DeferredTaxLiabilitiesOther id="Tag1187" contextRef="C531764" unitRef="USD" decimals="-3">309000</us-gaap:DeferredTaxLiabilitiesOther>
  <us-gaap:DeferredIncomeTaxLiabilities id="Tag1188" contextRef="C531653" unitRef="USD" decimals="-3">1226000</us-gaap:DeferredIncomeTaxLiabilities>
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  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="Tag1201" contextRef="C531798" unitRef="USD" decimals="-3">512000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="Tag1202" contextRef="C531799" unitRef="USD" decimals="-3">2253000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
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  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="Tag1205" contextRef="C531802" unitRef="USD" decimals="-3">2253000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="Tag1206" contextRef="C531799" unitRef="USD" decimals="-3">1017000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
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  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="Tag1209" contextRef="C531802" unitRef="USD" decimals="-3">1017000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
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  <us-gaap:CurrentIncomeTaxExpenseBenefit id="Tag1234" contextRef="C531332" unitRef="USD" decimals="-3">1036000</us-gaap:CurrentIncomeTaxExpenseBenefit>
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  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="Tag2144" contextRef="C532440" unitRef="Pure" decimals="4">0.0500</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
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  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Tag2153" contextRef="C532441" unitRef="Pure" decimals="4">0.1000</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
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  <us-gaap:TangibleCapitalToTangibleAssets id="Tag2155" contextRef="C531764" unitRef="Pure" decimals="4">0.0764</us-gaap:TangibleCapitalToTangibleAssets>
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  <us-gaap:PreferredStockDividendRatePercentage id="Tag2159" contextRef="C532986" unitRef="Pure" decimals="3">0.050</us-gaap:PreferredStockDividendRatePercentage>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="Tag2169" contextRef="C533022" unitRef="Pure" decimals="4">0.0203</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="Tag2175" contextRef="C533022" unitRef="Pure" decimals="2">0.32</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
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  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="Tag2183" contextRef="C531658" unitRef="Pure" decimals="INF">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
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  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock id="Tag2188" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 18pt;"&gt;&lt;/td&gt;
&lt;td style="width: 17pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;7.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;PREMISES AND EQUIPMENT&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;An analysis of premises and equipment follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31,&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="6"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;font style="font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;Land&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,198&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1,208&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Premises&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;24,175&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;25,752&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,337&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;8,912&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;689&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;803&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total at cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;34,399&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;36,675&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Less:&amp;#160;Accumulated&amp;#160;depreciation&amp;#160;and&amp;#160;amortization&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;21,387&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;23,556&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Net book value&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;13,012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;13,119&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company recorded depreciation expense of $&lt;font&gt;1.8&lt;/font&gt; million and $&lt;font&gt;1.7&lt;/font&gt;&amp;#160;million for the years 2014 and 2013, respectively.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:LongTermDebtTextBlock id="Tag2189" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top;"&gt;
&lt;td style="width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;10.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-size: 10pt;"&gt;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;Advances from the FHLB consist of the following:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;WEIGHTED&lt;/b&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;AVERAGE YIELD&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="5" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;BALANCE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;b&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;0.81&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.06&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.51&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2019&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.88&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total advances from FHLB&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1.12&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;42,000&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AT DECEMBER 31, 2013&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;MATURING&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;WEIGHTED&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;AVERAGE YIELD&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;BALANCE&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"&gt;&lt;font style="font-size: 10pt;"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.52&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;4,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.81&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;12,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2017&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1.07&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;7,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;2018&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;1.47&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;2,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;Total advances from FHLB&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;0.89&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&lt;font&gt;25,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/div&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;The Company's subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company's investment in assets secured by one- to four-family residential real estate and certain types of CRE. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and CRE&amp;#160;loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2014, the Company had immediately available $&lt;font&gt;347&lt;/font&gt; million of overnight borrowing capability at the FHLB and $&lt;font&gt;39&lt;/font&gt; million of unsecured federal funds lines with correspondent banks.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-size: 10pt;"&gt;Guaranteed Junior Subordinated Deferrable Interest Debentures:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-size: 10pt;"&gt;On April 28, 1998, the Company completed a $&lt;font&gt;34.5&lt;/font&gt; million public offering of &lt;font&gt;8.45&lt;/font&gt;% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by the Company. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $&lt;font&gt;209,000&lt;/font&gt; as of December 31, 2014 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $&lt;font&gt;22.5&lt;/font&gt; million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2014 and 2013 was $&lt;font&gt;13.1&lt;/font&gt; million.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:LongTermDebtTextBlock>
  <us-gaap:DebtInstrumentMaturityDate id="Tag2190" contextRef="C535422">2028-06-30</us-gaap:DebtInstrumentMaturityDate>
  <us-gaap:DebtInstrumentCallDateEarliest id="Tag2191" contextRef="C535422">2003-06-30</us-gaap:DebtInstrumentCallDateEarliest>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock id="Tag2192" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top; text-align: justify;"&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; width: 0%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; width: 2%;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;20.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; width: 98%;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;INTANGIBLE ASSETS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company's Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite life and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company's goodwill of $&lt;font&gt;11.9&lt;/font&gt; million, $&lt;font&gt;9.5&lt;/font&gt; million is allocated to the retail banking segment and $&lt;font&gt;2.4&lt;/font&gt; million relates to the WCCA acquisition which is included in the trust segment. In the third quarter of 2014, the Company performed a goodwill impairment test and determined that the fair value of WCCA was less than its carrying value and, accordingly, recorded an impairment charge of $&lt;font&gt;669,000&lt;/font&gt;. The goodwill impairment charge was the result of a reduction in earnings power caused by the departure of WCCA's former CEO and subsequent loss of a meaningful number of clients. A reconciliation of the Company's goodwill follows (in thousands):&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div style="display: block;"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 70%; /* margin-left: 1in;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;br/&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 64%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Balance&amp;#160;at&amp;#160;January&amp;#160;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Goodwill&amp;#160;impairment&amp;#160;charge&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(669&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;-&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Balance&amp;#160;at&amp;#160;December&amp;#160;31&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;11,944&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;12,613&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;br/&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock id="Tag2193" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top; text-align: justify;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;21.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;DERIVATIVE HEDGING INSTRUMENTS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;

&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The following table summarizes the interest rate swap transactions that impacted the Company's 2013 performance:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div class="CursorPointer"&gt;
&lt;div&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;START DATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;MATURITY &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;DATE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;HEDGE TYPE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;NOTIONAL &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;AMOUNT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RECEIVED&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RATE &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PAID&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;REPRICING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;FREQUENCY&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INCREASE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; (DECREASE)&amp;#160; IN&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; INTEREST&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;br/&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;EXPENSE&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;12/12/08&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;09/24/13&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,000,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;MONTHLY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12.5%; vertical-align: bottom; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;165,488&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;12/12/08&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;09/24/13&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;FAIR VALUE&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9,000,000&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2.73&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5.25&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;MONTHLY&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(165,488&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: right;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $&lt;font&gt;500&lt;/font&gt; million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board.&lt;/font&gt;&lt;/p&gt;
&lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2 id="Tag2194" contextRef="C533418">P6Y1M6D</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2>
  <asrv:TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus id="Tag2195" contextRef="C531332">P6M</asrv:TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus>
  <us-gaap:SegmentReportingDisclosureTextBlock id="Tag2196" contextRef="C531332">&lt;div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"&gt;
&lt;div style="display: block;"&gt;
&lt;div style="display: block;"&gt;
&lt;table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;"&gt;

&lt;tr style="vertical-align: top; text-align: justify;"&gt;
&lt;td style="/* width: 18.4pt;"&gt;&lt;/td&gt;
&lt;td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;22.&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="text-align: justify; font-family: 'times new roman';"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;SEGMENT RESULTS&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company's major business units include retail banking, commercial banking, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and CRE&amp;#160;loans. The trust segment contains our wealth management businesses which include the Trust Company, WCCA, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 14.5pt;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;The contribution of the major business segments to the Consolidated Results of Operations were as follows:&lt;/font&gt;&lt;/p&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;div&gt;
&lt;div align="left"&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;YEAR ENDED DECEMBER 31, 2014&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;b&gt;RETAIL&amp;#160;&lt;/b&gt;&lt;b&gt;BANKING&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; COMMERCIAL&amp;#160;BANKING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; &amp;#160; TRUST &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; INVESTMENT/ PARENT &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&lt;strong&gt;&lt;b&gt;TOTAL&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;b&gt;&lt;/b&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(2,921&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Provision for loan loss&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,633&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;381&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;8,118&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;191&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;10,868&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
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&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,972&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,198&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(5,735&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,621&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;958&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,819&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;634&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(1,813&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,598&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;2,228&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;4,153&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;564&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;(3,922&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;)&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;3,023&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;376,009&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;563,690&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;5,015&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;144,549&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-indent: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&lt;font&gt;1,089,263&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;strong&gt;&amp;#160;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31, 2013&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RETAIL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;COMMERCIAL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TRUST&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INVESTMENT/ &lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PARENT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,223&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15,687&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,084&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;32,861&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Credit provision for loan loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(92&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,008&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,100&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,512&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;642&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,391&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;199&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;15,744&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;22,870&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;10,148&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,605&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,600&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;42,223&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,957&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,189&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,821&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,485&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,165&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,166&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;619&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,661&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,289&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,792&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,023&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,202&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,824&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,193&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;347,823&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;545,556&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,722&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;157,935&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,056,036&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;
&lt;div class="CursorPointer"&gt;
&lt;table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;"&gt;

&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;RETAIL&amp;#160;&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;BANKING&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt; COMMERCIAL&amp;#160;BANKING &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt; &amp;#160; &lt;strong&gt;TRUST &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;INVESTMENT/&lt;/font&gt;&lt;/strong&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;PARENT&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 8pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times;"&gt;TOTAL&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;
&lt;p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;br/&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom;"&gt;
&lt;td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"&gt;&lt;font style="font-size: 8pt;"&gt;&lt;font style="font-family: 'times new roman', times;"&gt;(IN THOUSANDS)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;20,585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,499&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;35&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(2,916&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;32,203&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Credit provision for loan loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(160&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(615&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;&amp;#151;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(775&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest income&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,565&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;585&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,784&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;9&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;14,943&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Non-interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;22,802&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;8,970&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,387&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,482&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;40,641&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,508&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;6,729&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,432&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(5,389&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;7,280&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,358&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,044&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;487&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(1,648&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;2,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: #cceeff;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Net income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;3,150&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,685&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;945&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;(3,741&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;5,039&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr style="vertical-align: bottom; background-color: white;"&gt;
&lt;td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;336,241&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;497,331&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;4,429&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;162,990&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&lt;font&gt;1,000,991&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"&gt;&lt;font style="font-family: 'times new roman', times; font-size: 10pt;"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;

&lt;/table&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;
&lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <asrv:DividendAnnualizedPeriod id="Tag2197" contextRef="C532976">2011-08-11</asrv:DividendAnnualizedPeriod>
  <asrv:LossContingencyTermOfCommitment id="Tag2198" contextRef="C532555">P1Y</asrv:LossContingencyTermOfCommitment>
  <asrv:DefinedBenefitPlanVestingPeriod id="Tag2199" contextRef="C532458">P5Y</asrv:DefinedBenefitPlanVestingPeriod>
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>11
<FILENAME>asrv-20141231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
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<!--Created by The Vintage Group, Powered by IRIS Carbon-->
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      <link:roleType roleURI="http://www.ameriservfinancial.com/role/asrv-dafvofi1" id="asrv-dafvofi1">
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        <link:definition>115 - Disclosure - LEASE COMMITMENTS</link:definition>
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      <link:roleType roleURI="http://www.ameriservfinancial.com/role/asrv-cacl1" id="asrv-cacl1">
        <link:definition>116 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES</link:definition>
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        <link:definition>119 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS</link:definition>
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  <xsd:element name="DepositsWithStatedMaturitiesFairValueDisclosure" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DebtAndCapitalLeaseObligationsFairValueDisclosure" id="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DepositsWithNoStatedMaturities" id="asrv_DepositsWithNoStatedMaturities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DepositsWithStatedMaturities" id="asrv_DepositsWithStatedMaturities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BankingSubsidiaryMember" id="asrv_BankingSubsidiaryMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="NonBankingSubsidiariesMember" id="asrv_NonBankingSubsidiariesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfChangesInDeferredTaxesTableTextBlock" id="asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfFairValueOfPlanAssetsTableTextBlock" id="asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="AmeriservFinancialBankMember" id="asrv_AmeriservFinancialBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="InternationalEquitySecuritiesMember" id="asrv_InternationalEquitySecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYield" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" id="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" id="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="RetailBankingMember" id="asrv_RetailBankingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialBankingMember" id="asrv_CommercialBankingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="TrustMember" id="asrv_TrustMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentParentMember" id="asrv_InvestmentParentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanVestingPeriod" id="asrv_DefinedBenefitPlanVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" id="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" id="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestRateSwapOneMember" id="asrv_InterestRateSwapOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapTwoMember" id="asrv_InterestRateSwapTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumNotionalAmountOfDerivativesOutstanding" id="asrv_MaximumNotionalAmountOfDerivativesOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LossContingencyTermOfCommitment" id="asrv_LossContingencyTermOfCommitment" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DividendRateOfPreferredStockAxis" id="asrv_DividendRateOfPreferredStockAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="TermOneMember" id="asrv_TermOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="TermTwoMember" id="asrv_TermTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="TermThreeMember" id="asrv_TermThreeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="TermFourMember" id="asrv_TermFourMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" id="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" id="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="DividendAnnualizedPeriod" id="asrv_DividendAnnualizedPeriod" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeLossBeforeReclassifications" id="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" id="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MinimumPercentageTierOneCapitalToBeMaintained" id="asrv_MinimumPercentageTierOneCapitalToBeMaintained" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="PreferredStockRedemptionPricePercentage" id="asrv_PreferredStockRedemptionPricePercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="PercentageOfLendingIncentiveFeePayable" id="asrv_PercentageOfLendingIncentiveFeePayable" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" id="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="TroubledDebtRestructuringModificationsRecordedInvestment" id="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NonperformingAssetsIncludingTroubleDebtRestructurings" id="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="RangeOneMember" id="asrv_RangeOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AccretionOfRedemptionDiscount" id="asrv_AccretionOfRedemptionDiscount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveLossLineItems" id="asrv_AccumulatedOtherComprehensiveLossLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveLossTable" id="asrv_AccumulatedOtherComprehensiveLossTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" id="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AllocationForGeneralRiskMember" id="asrv_AllocationForGeneralRiskMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" id="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" id="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AmeriservFinancialIncCommonStockMember" id="asrv_AmeriservFinancialIncCommonStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AnticipatedScopeOfRangeOfCoverage" id="asrv_AnticipatedScopeOfRangeOfCoverage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="BorrowersAggregateExposureForLoanModificationMinimum" id="asrv_BorrowersAggregateExposureForLoanModificationMinimum" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="BorrowingsAndAdvancesFromFhlbMaturingOvernight" id="asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" id="asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" id="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommercialLoanReceivableModificationsRecordedInvestment" id="asrv_CommercialLoanReceivableModificationsRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" id="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CorporateBondsAndOtherSecuritiesMember" id="asrv_CorporateBondsAndOtherSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="CreditReviewsMandatoryForLoansAggregateBalances" id="asrv_CreditReviewsMandatoryForLoansAggregateBalances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" id="asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xsd:element name="DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" id="asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="DividendRateOfPreferredStockDomain" id="asrv_DividendRateOfPreferredStockDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="DocumentAndEntityInformationAbstract" id="asrv_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankPrepaymentPenalties" id="asrv_FederalHomeLoanBankPrepaymentPenalties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancialInstrumentsFinancialAssetsCarryingValueAbstract" id="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" id="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xsd:element name="MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" id="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xsd:element name="SubPrimeMortgageLoansExposure" id="asrv_SubPrimeMortgageLoansExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" id="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" id="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="WarrantRepurchase" id="asrv_WarrantRepurchase" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="WestChesterCapitalAdvisorsMember" id="asrv_WestChesterCapitalAdvisorsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" id="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element name="SpecialTerminationBenefitLiability" id="asrv_SpecialTerminationBenefitLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanNetGainLoss" id="asrv_DefinedBenefitPlanNetGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>asrv-20141231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
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<TYPE>EX-101.LAB
<SEQUENCE>14
<FILENAME>asrv-20141231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:label="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:title="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xml:lang="en-US" id="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock">Business And Nature Of Operations, Policy [Policy Text Block].</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:to="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:title="Label : asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock to label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_1" xml:lang="en-US" id="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_1">Business And Nature Of Operations Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:to="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_1" xlink:title="Label : asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock to label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_2" xml:lang="en-US" id="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_2">BUSINESS AND NATURE OF OPERATIONS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:to="label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_2" xlink:title="Label : asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock to label_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:label="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:title="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock">Federal Home Loan Bank Stock, Policy [Policy Text Block].</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:to="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:title="Label : asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock to label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_1" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_1">Federal Home Loan Bank Stock, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:to="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_1" xlink:title="Label : asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock to label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_2" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_2">FEDERAL HOME LOAN BANK STOCK</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:to="label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_2" xlink:title="Label : asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock to label_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NumberOfCountiesInWhichEntityOperates" xlink:label="asrv_NumberOfCountiesInWhichEntityOperates" xlink:title="asrv_NumberOfCountiesInWhichEntityOperates" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfCountiesInWhichEntityOperates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NumberOfCountiesInWhichEntityOperates" xml:lang="en-US" id="label_asrv_NumberOfCountiesInWhichEntityOperates">The number of counties in which the entity operates as of balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfCountiesInWhichEntityOperates" xlink:to="label_asrv_NumberOfCountiesInWhichEntityOperates" xlink:title="Label : asrv_NumberOfCountiesInWhichEntityOperates to label_asrv_NumberOfCountiesInWhichEntityOperates" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfCountiesInWhichEntityOperates_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NumberOfCountiesInWhichEntityOperates_1" xml:lang="en-US" id="label_asrv_NumberOfCountiesInWhichEntityOperates_1">Number Of Counties In Which Entity Operates</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfCountiesInWhichEntityOperates" xlink:to="label_asrv_NumberOfCountiesInWhichEntityOperates_1" xlink:title="Label : asrv_NumberOfCountiesInWhichEntityOperates to label_asrv_NumberOfCountiesInWhichEntityOperates_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfCountiesInWhichEntityOperates_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_NumberOfCountiesInWhichEntityOperates_2" xml:lang="en-US" id="label_asrv_NumberOfCountiesInWhichEntityOperates_2">Number of counties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfCountiesInWhichEntityOperates" xlink:to="label_asrv_NumberOfCountiesInWhichEntityOperates_2" xlink:title="Label : asrv_NumberOfCountiesInWhichEntityOperates to label_asrv_NumberOfCountiesInWhichEntityOperates_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FederalHomeLoanBankStockParValue" xlink:label="asrv_FederalHomeLoanBankStockParValue" xlink:title="asrv_FederalHomeLoanBankStockParValue" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockParValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FederalHomeLoanBankStockParValue" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockParValue">The par value of Federal Home Loan Bank Stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockParValue" xlink:to="label_asrv_FederalHomeLoanBankStockParValue" xlink:title="Label : asrv_FederalHomeLoanBankStockParValue to label_asrv_FederalHomeLoanBankStockParValue" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockParValue_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FederalHomeLoanBankStockParValue_1" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockParValue_1">Federal Home Loan Bank Stock Par Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockParValue" xlink:to="label_asrv_FederalHomeLoanBankStockParValue_1" xlink:title="Label : asrv_FederalHomeLoanBankStockParValue to label_asrv_FederalHomeLoanBankStockParValue_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankStockParValue_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FederalHomeLoanBankStockParValue_2" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankStockParValue_2">Par value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankStockParValue" xlink:to="label_asrv_FederalHomeLoanBankStockParValue_2" xlink:title="Label : asrv_FederalHomeLoanBankStockParValue to label_asrv_FederalHomeLoanBankStockParValue_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:label="invest_InvestmentTable" xlink:title="invest_InvestmentTable" />
    <link:label xlink:type="resource" xlink:label="label_invest_InvestmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_invest_InvestmentTable" xml:lang="en-US" id="label_invest_InvestmentTable">Investment [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_InvestmentTable" xlink:to="label_invest_InvestmentTable" xlink:title="Label : invest_InvestmentTable to label_invest_InvestmentTable" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:label="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:title="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment">Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_1" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_1">Financing Receivable Allowance For Credit Losses Threshold For Individually Evaluating Of Impairment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_1" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_2" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_2">Threshold for individually evaluating loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_2" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:label="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:title="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment">Financing Receivable, Allowance For Credit Losses, Threshold For Collectively Evaluating Of Impairment.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_1" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_1">Financing Receivable Allowance For Credit Losses Threshold For Collecitvely Evaluating Of Impairment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_1" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_2" xml:lang="en-US" id="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_2">Threshold for collectively evaluating loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_2" xlink:title="Label : asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment to label_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_SmallBusinessLoansMember" xlink:label="asrv_SmallBusinessLoansMember" xlink:title="asrv_SmallBusinessLoansMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SmallBusinessLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_SmallBusinessLoansMember" xml:lang="en-US" id="label_asrv_SmallBusinessLoansMember">Small Business Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SmallBusinessLoansMember" xlink:to="label_asrv_SmallBusinessLoansMember" xlink:title="Label : asrv_SmallBusinessLoansMember to label_asrv_SmallBusinessLoansMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SmallBusinessLoansMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_SmallBusinessLoansMember_1" xml:lang="en-US" id="label_asrv_SmallBusinessLoansMember_1">Small Business Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SmallBusinessLoansMember" xlink:to="label_asrv_SmallBusinessLoansMember_1" xlink:title="Label : asrv_SmallBusinessLoansMember to label_asrv_SmallBusinessLoansMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:label="asrv_FairValueAppraisalOfAdjustments" xlink:title="asrv_FairValueAppraisalOfAdjustments" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueAppraisalOfAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FairValueAppraisalOfAdjustments" xml:lang="en-US" id="label_asrv_FairValueAppraisalOfAdjustments">Fair value appraisal of adjustments.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueAppraisalOfAdjustments" xlink:to="label_asrv_FairValueAppraisalOfAdjustments" xlink:title="Label : asrv_FairValueAppraisalOfAdjustments to label_asrv_FairValueAppraisalOfAdjustments" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueAppraisalOfAdjustments_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FairValueAppraisalOfAdjustments_1" xml:lang="en-US" id="label_asrv_FairValueAppraisalOfAdjustments_1">Fair Value Appraisal Of Adjustments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueAppraisalOfAdjustments" xlink:to="label_asrv_FairValueAppraisalOfAdjustments_1" xlink:title="Label : asrv_FairValueAppraisalOfAdjustments to label_asrv_FairValueAppraisalOfAdjustments_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueAppraisalOfAdjustments_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_FairValueAppraisalOfAdjustments_2" xml:lang="en-US" id="label_asrv_FairValueAppraisalOfAdjustments_2">Appraisal of Adjustment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueAppraisalOfAdjustments" xlink:to="label_asrv_FairValueAppraisalOfAdjustments_2" xlink:title="Label : asrv_FairValueAppraisalOfAdjustments to label_asrv_FairValueAppraisalOfAdjustments_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FairValueLiquidationExpenses" xlink:label="asrv_FairValueLiquidationExpenses" xlink:title="asrv_FairValueLiquidationExpenses" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueLiquidationExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FairValueLiquidationExpenses" xml:lang="en-US" id="label_asrv_FairValueLiquidationExpenses">Fair value liquidation expenses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueLiquidationExpenses" xlink:to="label_asrv_FairValueLiquidationExpenses" xlink:title="Label : asrv_FairValueLiquidationExpenses to label_asrv_FairValueLiquidationExpenses" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueLiquidationExpenses_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FairValueLiquidationExpenses_1" xml:lang="en-US" id="label_asrv_FairValueLiquidationExpenses_1">Fair Value Liquidation Expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueLiquidationExpenses" xlink:to="label_asrv_FairValueLiquidationExpenses_1" xlink:title="Label : asrv_FairValueLiquidationExpenses to label_asrv_FairValueLiquidationExpenses_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FairValueLiquidationExpenses_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_FairValueLiquidationExpenses_2" xml:lang="en-US" id="label_asrv_FairValueLiquidationExpenses_2">Liquidation Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FairValueLiquidationExpenses" xlink:to="label_asrv_FairValueLiquidationExpenses_2" xlink:title="Label : asrv_FairValueLiquidationExpenses to label_asrv_FairValueLiquidationExpenses_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ImpairedLoansMember" xlink:label="asrv_ImpairedLoansMember" xlink:title="asrv_ImpairedLoansMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ImpairedLoansMember" xml:lang="en-US" id="label_asrv_ImpairedLoansMember">Impaired Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansMember" xlink:to="label_asrv_ImpairedLoansMember" xlink:title="Label : asrv_ImpairedLoansMember to label_asrv_ImpairedLoansMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ImpairedLoansMember_1" xml:lang="en-US" id="label_asrv_ImpairedLoansMember_1">Impaired Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansMember" xlink:to="label_asrv_ImpairedLoansMember_1" xlink:title="Label : asrv_ImpairedLoansMember to label_asrv_ImpairedLoansMember_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:title="dei_AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="label_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_AmendmentFlag" xml:lang="en-US" id="label_dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="label_dei_AmendmentFlag" xlink:title="Label : dei_AmendmentFlag to label_dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_OtherRealEstateOwnedMember" xlink:label="asrv_OtherRealEstateOwnedMember" xlink:title="asrv_OtherRealEstateOwnedMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherRealEstateOwnedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_OtherRealEstateOwnedMember" xml:lang="en-US" id="label_asrv_OtherRealEstateOwnedMember">Other Real Estate Owned [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherRealEstateOwnedMember" xlink:to="label_asrv_OtherRealEstateOwnedMember" xlink:title="Label : asrv_OtherRealEstateOwnedMember to label_asrv_OtherRealEstateOwnedMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherRealEstateOwnedMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_OtherRealEstateOwnedMember_1" xml:lang="en-US" id="label_asrv_OtherRealEstateOwnedMember_1">Other Real Estate Owned [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherRealEstateOwnedMember" xlink:to="label_asrv_OtherRealEstateOwnedMember_1" xlink:title="Label : asrv_OtherRealEstateOwnedMember to label_asrv_OtherRealEstateOwnedMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:label="asrv_RegulatoryAssetsFairValueDisclosure" xlink:title="asrv_RegulatoryAssetsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RegulatoryAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RegulatoryAssetsFairValueDisclosure" xml:lang="en-US" id="label_asrv_RegulatoryAssetsFairValueDisclosure">Regulatory assets fair value disclosure.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RegulatoryAssetsFairValueDisclosure" xlink:to="label_asrv_RegulatoryAssetsFairValueDisclosure" xlink:title="Label : asrv_RegulatoryAssetsFairValueDisclosure to label_asrv_RegulatoryAssetsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RegulatoryAssetsFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RegulatoryAssetsFairValueDisclosure_1" xml:lang="en-US" id="label_asrv_RegulatoryAssetsFairValueDisclosure_1">Regulatory Assets Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RegulatoryAssetsFairValueDisclosure" xlink:to="label_asrv_RegulatoryAssetsFairValueDisclosure_1" xlink:title="Label : asrv_RegulatoryAssetsFairValueDisclosure to label_asrv_RegulatoryAssetsFairValueDisclosure_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RegulatoryAssetsFairValueDisclosure_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_RegulatoryAssetsFairValueDisclosure_2" xml:lang="en-US" id="label_asrv_RegulatoryAssetsFairValueDisclosure_2">Regulatory stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RegulatoryAssetsFairValueDisclosure" xlink:to="label_asrv_RegulatoryAssetsFairValueDisclosure_2" xlink:title="Label : asrv_RegulatoryAssetsFairValueDisclosure to label_asrv_RegulatoryAssetsFairValueDisclosure_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:label="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:title="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure">Deposits with no stated maturities fair value disclosure.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:title="Label : asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_1" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_1">Deposits with No Stated Maturities Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_1" xlink:title="Label : asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_2" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_2">Deposits with no stated maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_2" xlink:title="Label : asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:label="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:title="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure">Deposits with stated maturities fair value disclosure.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:title="Label : asrv_DepositsWithStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_1" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_1">Deposits with Stated Maturities Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_1" xlink:title="Label : asrv_DepositsWithStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_2" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_2">Deposits with stated maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:to="label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_2" xlink:title="Label : asrv_DepositsWithStatedMaturitiesFairValueDisclosure to label_asrv_DepositsWithStatedMaturitiesFairValueDisclosure_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:label="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:title="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xml:lang="en-US" id="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure">Debt and capital lease obligations fair value disclosure.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:to="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:title="Label : asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure to label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_1" xml:lang="en-US" id="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_1">Debt and Capital Lease Obligations Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:to="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_1" xlink:title="Label : asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure to label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_2" xml:lang="en-US" id="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_2">All other borrowings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:to="label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_2" xlink:title="Label : asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure to label_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:label="asrv_DepositsWithNoStatedMaturities" xlink:title="asrv_DepositsWithNoStatedMaturities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DepositsWithNoStatedMaturities" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturities">The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others that do not have stated maturities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturities" xlink:to="label_asrv_DepositsWithNoStatedMaturities" xlink:title="Label : asrv_DepositsWithNoStatedMaturities to label_asrv_DepositsWithNoStatedMaturities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturities_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DepositsWithNoStatedMaturities_1" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturities_1">Deposits With No Stated Maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturities" xlink:to="label_asrv_DepositsWithNoStatedMaturities_1" xlink:title="Label : asrv_DepositsWithNoStatedMaturities to label_asrv_DepositsWithNoStatedMaturities_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithNoStatedMaturities_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DepositsWithNoStatedMaturities_2" xml:lang="en-US" id="label_asrv_DepositsWithNoStatedMaturities_2">Deposits with no stated maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithNoStatedMaturities" xlink:to="label_asrv_DepositsWithNoStatedMaturities_2" xlink:title="Label : asrv_DepositsWithNoStatedMaturities to label_asrv_DepositsWithNoStatedMaturities_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DepositsWithStatedMaturities" xlink:label="asrv_DepositsWithStatedMaturities" xlink:title="asrv_DepositsWithStatedMaturities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DepositsWithStatedMaturities" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturities">The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others having stated maturities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturities" xlink:to="label_asrv_DepositsWithStatedMaturities" xlink:title="Label : asrv_DepositsWithStatedMaturities to label_asrv_DepositsWithStatedMaturities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturities_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DepositsWithStatedMaturities_1" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturities_1">Deposits With Stated Maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturities" xlink:to="label_asrv_DepositsWithStatedMaturities_1" xlink:title="Label : asrv_DepositsWithStatedMaturities to label_asrv_DepositsWithStatedMaturities_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DepositsWithStatedMaturities_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DepositsWithStatedMaturities_2" xml:lang="en-US" id="label_asrv_DepositsWithStatedMaturities_2">Deposits with stated maturities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DepositsWithStatedMaturities" xlink:to="label_asrv_DepositsWithStatedMaturities_2" xlink:title="Label : asrv_DepositsWithStatedMaturities to label_asrv_DepositsWithStatedMaturities_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_BankingSubsidiaryMember" xlink:label="asrv_BankingSubsidiaryMember" xlink:title="asrv_BankingSubsidiaryMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_BankingSubsidiaryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_BankingSubsidiaryMember" xml:lang="en-US" id="label_asrv_BankingSubsidiaryMember">Banking Subsidiary [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_BankingSubsidiaryMember" xlink:to="label_asrv_BankingSubsidiaryMember" xlink:title="Label : asrv_BankingSubsidiaryMember to label_asrv_BankingSubsidiaryMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_BankingSubsidiaryMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_BankingSubsidiaryMember_1" xml:lang="en-US" id="label_asrv_BankingSubsidiaryMember_1">Banking Subsidiary [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_BankingSubsidiaryMember" xlink:to="label_asrv_BankingSubsidiaryMember_1" xlink:title="Label : asrv_BankingSubsidiaryMember to label_asrv_BankingSubsidiaryMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonBankingSubsidiariesMember" xlink:label="asrv_NonBankingSubsidiariesMember" xlink:title="asrv_NonBankingSubsidiariesMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonBankingSubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonBankingSubsidiariesMember" xml:lang="en-US" id="label_asrv_NonBankingSubsidiariesMember">Non-Banking Subsidiaries [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonBankingSubsidiariesMember" xlink:to="label_asrv_NonBankingSubsidiariesMember" xlink:title="Label : asrv_NonBankingSubsidiariesMember to label_asrv_NonBankingSubsidiariesMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonBankingSubsidiariesMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonBankingSubsidiariesMember_1" xml:lang="en-US" id="label_asrv_NonBankingSubsidiariesMember_1">Non Banking Subsidiaries [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonBankingSubsidiariesMember" xlink:to="label_asrv_NonBankingSubsidiariesMember_1" xlink:title="Label : asrv_NonBankingSubsidiariesMember to label_asrv_NonBankingSubsidiariesMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonBankingSubsidiariesMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_NonBankingSubsidiariesMember_2" xml:lang="en-US" id="label_asrv_NonBankingSubsidiariesMember_2">Non-Banking Subsidiaries [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonBankingSubsidiariesMember" xlink:to="label_asrv_NonBankingSubsidiariesMember_2" xlink:title="Label : asrv_NonBankingSubsidiariesMember to label_asrv_NonBankingSubsidiariesMember_2" />
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">This item represents the yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_2" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_2">Available for Sale, After 1 year but within 5 years, Yield</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">This item represents the yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1">Available For Sale Securities Debt Maturities Yield After Five Through Ten Years</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis">Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_2" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_2">Available for Sale, Cost Basis, After 10 years but within15 years</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">This item represents the yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:to="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:title="Label : asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears to label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1">Available For Sale Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:to="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xlink:title="Label : asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears to label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:label="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost">Available-for-sale securities debt maturities after fifteen years amortized cost.</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:to="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_1" xlink:title="Label : asrv_AvailableForSaleSecuritiesDebtMaturitiesYield to label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_2" xml:lang="en-US" id="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_2">Available for Sale, Yield, Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:to="label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_2" xlink:title="Label : asrv_AvailableForSaleSecuritiesDebtMaturitiesYield to label_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:title="dei_DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="label_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentPeriodEndDate" xml:lang="en-US" id="label_dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="label_dei_DocumentPeriodEndDate" xlink:title="Label : dei_DocumentPeriodEndDate to label_dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:label="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:title="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours">Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:to="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:title="Label : asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours to label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_1" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_1">Defined Benefit Plan Minimum Number Of Annual Employee Hours</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:to="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_1" xlink:title="Label : asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours to label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_2" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_2">Minimum number of annual hours</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:to="label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_2" xlink:title="Label : asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours to label_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:label="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:title="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock">Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:to="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:title="Label : asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock to label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_1" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_1">Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:to="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_1" xlink:title="Label : asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock to label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_2" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_2">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:to="label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_2" xlink:title="Label : asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock to label_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RetailBankingMember" xlink:label="asrv_RetailBankingMember" xlink:title="asrv_RetailBankingMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RetailBankingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RetailBankingMember" xml:lang="en-US" id="label_asrv_RetailBankingMember">Retail banking.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RetailBankingMember" xlink:to="label_asrv_RetailBankingMember" xlink:title="Label : asrv_RetailBankingMember to label_asrv_RetailBankingMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RetailBankingMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RetailBankingMember_1" xml:lang="en-US" id="label_asrv_RetailBankingMember_1">Retail Banking [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RetailBankingMember" xlink:to="label_asrv_RetailBankingMember_1" xlink:title="Label : asrv_RetailBankingMember to label_asrv_RetailBankingMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_CommercialBankingMember" xlink:label="asrv_CommercialBankingMember" xlink:title="asrv_CommercialBankingMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_CommercialBankingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_CommercialBankingMember" xml:lang="en-US" id="label_asrv_CommercialBankingMember">Commercial banking.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_CommercialBankingMember" xlink:to="label_asrv_CommercialBankingMember" xlink:title="Label : asrv_CommercialBankingMember to label_asrv_CommercialBankingMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_CommercialBankingMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_CommercialBankingMember_1" xml:lang="en-US" id="label_asrv_CommercialBankingMember_1">Commercial Banking [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_CommercialBankingMember" xlink:to="label_asrv_CommercialBankingMember_1" xlink:title="Label : asrv_CommercialBankingMember to label_asrv_CommercialBankingMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TrustMember" xlink:label="asrv_TrustMember" xlink:title="asrv_TrustMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TrustMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TrustMember" xml:lang="en-US" id="label_asrv_TrustMember">Trust.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TrustMember" xlink:to="label_asrv_TrustMember" xlink:title="Label : asrv_TrustMember to label_asrv_TrustMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TrustMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TrustMember_1" xml:lang="en-US" id="label_asrv_TrustMember_1">Trust [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TrustMember" xlink:to="label_asrv_TrustMember_1" xlink:title="Label : asrv_TrustMember to label_asrv_TrustMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InvestmentParentMember" xlink:label="asrv_InvestmentParentMember" xlink:title="asrv_InvestmentParentMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InvestmentParentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_InvestmentParentMember" xml:lang="en-US" id="label_asrv_InvestmentParentMember">Investment/ Parent [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InvestmentParentMember" xlink:to="label_asrv_InvestmentParentMember" xlink:title="Label : asrv_InvestmentParentMember to label_asrv_InvestmentParentMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InvestmentParentMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InvestmentParentMember_1" xml:lang="en-US" id="label_asrv_InvestmentParentMember_1">Investment/ Parent [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InvestmentParentMember" xlink:to="label_asrv_InvestmentParentMember_1" xlink:title="Label : asrv_InvestmentParentMember to label_asrv_InvestmentParentMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:label="asrv_DefinedBenefitPlanVestingPeriod" xlink:title="asrv_DefinedBenefitPlanVestingPeriod" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanVestingPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DefinedBenefitPlanVestingPeriod" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanVestingPeriod">Defined Benefit Plan, Vesting Period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanVestingPeriod" xlink:to="label_asrv_DefinedBenefitPlanVestingPeriod" xlink:title="Label : asrv_DefinedBenefitPlanVestingPeriod to label_asrv_DefinedBenefitPlanVestingPeriod" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanVestingPeriod_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DefinedBenefitPlanVestingPeriod_1" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanVestingPeriod_1">Defined Benefit Plan Vesting Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanVestingPeriod" xlink:to="label_asrv_DefinedBenefitPlanVestingPeriod_1" xlink:title="Label : asrv_DefinedBenefitPlanVestingPeriod to label_asrv_DefinedBenefitPlanVestingPeriod_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedBenefitPlanVestingPeriod_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DefinedBenefitPlanVestingPeriod_2" xml:lang="en-US" id="label_asrv_DefinedBenefitPlanVestingPeriod_2">Vesting term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedBenefitPlanVestingPeriod" xlink:to="label_asrv_DefinedBenefitPlanVestingPeriod_2" xlink:title="Label : asrv_DefinedBenefitPlanVestingPeriod to label_asrv_DefinedBenefitPlanVestingPeriod_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="invest_DerivativeNotionalAmount" xlink:title="invest_DerivativeNotionalAmount" />
    <link:label xlink:type="resource" xlink:label="label_invest_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_invest_DerivativeNotionalAmount" xml:lang="en-US" id="label_invest_DerivativeNotionalAmount">Derivative, Notional Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_DerivativeNotionalAmount" xlink:to="label_invest_DerivativeNotionalAmount" xlink:title="Label : invest_DerivativeNotionalAmount to label_invest_DerivativeNotionalAmount" />
    <link:label xlink:type="resource" xlink:label="label_invest_DerivativeNotionalAmount_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_invest_DerivativeNotionalAmount_1" xml:lang="en-US" id="label_invest_DerivativeNotionalAmount_1">Notional amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="invest_DerivativeNotionalAmount" xlink:to="label_invest_DerivativeNotionalAmount_1" xlink:title="Label : invest_DerivativeNotionalAmount to label_invest_DerivativeNotionalAmount_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:label="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:title="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xml:lang="en-US" id="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent">Maximum percentage of union employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:to="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:title="Label : asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent to label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_1" xml:lang="en-US" id="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_1">Defined Contribution Plan Maximum Annual Contribution Per Union Employee Percent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:to="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_1" xlink:title="Label : asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent to label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_2" xml:lang="en-US" id="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_2">Contribution for union members</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:to="label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_2" xlink:title="Label : asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent to label_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:label="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:title="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xml:lang="en-US" id="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld">Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:to="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:title="Label : asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld to label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_1" xml:lang="en-US" id="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_1">Defined Contribution Plan Amount Of Entity Common Stock And Securities Held</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:to="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_1" xlink:title="Label : asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld to label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_2" xml:lang="en-US" id="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_2">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:to="label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_2" xlink:title="Label : asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld to label_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:title="dei_EntityDomain" />
    <link:label xlink:type="resource" xlink:label="label_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityDomain" xml:lang="en-US" id="label_dei_EntityDomain">Entity [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="label_dei_EntityDomain" xlink:title="Label : dei_EntityDomain to label_dei_EntityDomain" />
    <link:label xlink:type="resource" xlink:label="label_dei_EntityDomain_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_dei_EntityDomain_1" xml:lang="en-US" id="label_dei_EntityDomain_1">Entity [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="label_dei_EntityDomain_1" xlink:title="Label : dei_EntityDomain to label_dei_EntityDomain_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InterestRateSwapOneMember" xlink:label="asrv_InterestRateSwapOneMember" xlink:title="asrv_InterestRateSwapOneMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestRateSwapOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_InterestRateSwapOneMember" xml:lang="en-US" id="label_asrv_InterestRateSwapOneMember">Interest Rate Swap One [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_InterestRateSwapOneMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InterestRateSwapOneMember_1" xml:lang="en-US" id="label_asrv_InterestRateSwapOneMember_1">Interest Rate Swap One [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InterestRateSwapTwoMember" xlink:label="asrv_InterestRateSwapTwoMember" xlink:title="asrv_InterestRateSwapTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestRateSwapTwoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_InterestRateSwapTwoMember" xml:lang="en-US" id="label_asrv_InterestRateSwapTwoMember">Interest Rate Swap Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InterestRateSwapTwoMember" xlink:to="label_asrv_InterestRateSwapTwoMember" xlink:title="Label : asrv_InterestRateSwapTwoMember to label_asrv_InterestRateSwapTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestRateSwapTwoMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InterestRateSwapTwoMember_1" xml:lang="en-US" id="label_asrv_InterestRateSwapTwoMember_1">Interest Rate Swap Two [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:label="asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:title="asrv_MaximumNotionalAmountOfDerivativesOutstanding" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding" xml:lang="en-US" id="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding">Maximum Notional Amount Of Derivatives Outstanding.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:to="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:title="Label : asrv_MaximumNotionalAmountOfDerivativesOutstanding to label_asrv_MaximumNotionalAmountOfDerivativesOutstanding" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:to="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding_1" xlink:title="Label : asrv_MaximumNotionalAmountOfDerivativesOutstanding to label_asrv_MaximumNotionalAmountOfDerivativesOutstanding_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding_2" xml:lang="en-US" id="label_asrv_MaximumNotionalAmountOfDerivativesOutstanding_2">Maximum notional amount outstanding permitted</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LossContingencyTermOfCommitment" xlink:label="asrv_LossContingencyTermOfCommitment" xlink:title="asrv_LossContingencyTermOfCommitment" />
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    <link:label xlink:type="resource" xlink:label="label_asrv_LossContingencyTermOfCommitment_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_LossContingencyTermOfCommitment_1" xml:lang="en-US" id="label_asrv_LossContingencyTermOfCommitment_1">Loss Contingency Term Of Commitment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LossContingencyTermOfCommitment" xlink:to="label_asrv_LossContingencyTermOfCommitment_1" xlink:title="Label : asrv_LossContingencyTermOfCommitment to label_asrv_LossContingencyTermOfCommitment_1" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:label="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">Available-for-sale securities debt maturities after ten through fifteen years fair value.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_1" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_1">Availableforsale Securities Debt Maturities After Ten Through Fifteen Years Fair Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:to="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_1" xlink:title="Label : asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue to label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_2" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_2">Available for Sale, Fair Value, After 10 years but within15 years</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:label="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue">Available-for-sale securities debt maturities after fifteen years fair value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:to="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:title="Label : asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue to label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_1" xml:lang="en-US" id="label_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_1">Availableforsale Securities Debt Maturities After Fifteen Years Fair Value</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear">This item represents the yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_1">Held To Maturity Securities Debt Maturities Yield Within One Year</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear_2">Held to Maturity, Within 1 year, Yield</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">This item represents the yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears_1">Held To Maturity Securities Debt Maturities Yield After One Through Five Years</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:label="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" />
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    <link:label xlink:type="resource" xlink:label="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount_1" xml:lang="en-US" id="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount_1">Heldtomaturity Securities Debt Maturities After Ten Through Fifteen Years Net Carrying Amount</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:to="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount_2" xlink:title="Label : asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount to label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:label="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xml:lang="en-US" id="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount">Held-to-maturity securities debt maturities after fifteen years net carrying amount.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:to="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:title="Label : asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount to label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_1" xml:lang="en-US" id="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_1">Heldtomaturity Securities Debt Maturities After Fifteen Years Net Carrying Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:to="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_1" xlink:title="Label : asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount to label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_2" xml:lang="en-US" id="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_2">Held to Maturity, Cost Basis, Over 15 years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:to="label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_2" xlink:title="Label : asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount to label_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:label="asrv_DividendRateOfPreferredStockAxis" xlink:title="asrv_DividendRateOfPreferredStockAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DividendRateOfPreferredStockAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DividendRateOfPreferredStockAxis" xml:lang="en-US" id="label_asrv_DividendRateOfPreferredStockAxis">Dividend rate of preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendRateOfPreferredStockAxis" xlink:to="label_asrv_DividendRateOfPreferredStockAxis" xlink:title="Label : asrv_DividendRateOfPreferredStockAxis to label_asrv_DividendRateOfPreferredStockAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DividendRateOfPreferredStockAxis_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DividendRateOfPreferredStockAxis_1" xml:lang="en-US" id="label_asrv_DividendRateOfPreferredStockAxis_1">Dividend Rate of Preferred Stock [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendRateOfPreferredStockAxis" xlink:to="label_asrv_DividendRateOfPreferredStockAxis_1" xlink:title="Label : asrv_DividendRateOfPreferredStockAxis to label_asrv_DividendRateOfPreferredStockAxis_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TermOneMember" xlink:label="asrv_TermOneMember" xlink:title="asrv_TermOneMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TermOneMember" xml:lang="en-US" id="label_asrv_TermOneMember">Term 1.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermOneMember" xlink:to="label_asrv_TermOneMember" xlink:title="Label : asrv_TermOneMember to label_asrv_TermOneMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermOneMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TermOneMember_1" xml:lang="en-US" id="label_asrv_TermOneMember_1">Term One [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermOneMember" xlink:to="label_asrv_TermOneMember_1" xlink:title="Label : asrv_TermOneMember to label_asrv_TermOneMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermOneMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TermOneMember_2" xml:lang="en-US" id="label_asrv_TermOneMember_2">Term 1 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermOneMember" xlink:to="label_asrv_TermOneMember_2" xlink:title="Label : asrv_TermOneMember to label_asrv_TermOneMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TermTwoMember" xlink:label="asrv_TermTwoMember" xlink:title="asrv_TermTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermTwoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TermTwoMember" xml:lang="en-US" id="label_asrv_TermTwoMember">Term 2.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermTwoMember" xlink:to="label_asrv_TermTwoMember" xlink:title="Label : asrv_TermTwoMember to label_asrv_TermTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermTwoMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TermTwoMember_1" xml:lang="en-US" id="label_asrv_TermTwoMember_1">Term Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermTwoMember" xlink:to="label_asrv_TermTwoMember_1" xlink:title="Label : asrv_TermTwoMember to label_asrv_TermTwoMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermTwoMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TermTwoMember_2" xml:lang="en-US" id="label_asrv_TermTwoMember_2">Term 2 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermTwoMember" xlink:to="label_asrv_TermTwoMember_2" xlink:title="Label : asrv_TermTwoMember to label_asrv_TermTwoMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TermThreeMember" xlink:label="asrv_TermThreeMember" xlink:title="asrv_TermThreeMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermThreeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TermThreeMember" xml:lang="en-US" id="label_asrv_TermThreeMember">Term 3.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermThreeMember" xlink:to="label_asrv_TermThreeMember" xlink:title="Label : asrv_TermThreeMember to label_asrv_TermThreeMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermThreeMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TermThreeMember_1" xml:lang="en-US" id="label_asrv_TermThreeMember_1">Term Three [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermThreeMember" xlink:to="label_asrv_TermThreeMember_1" xlink:title="Label : asrv_TermThreeMember to label_asrv_TermThreeMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermThreeMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TermThreeMember_2" xml:lang="en-US" id="label_asrv_TermThreeMember_2">Term 3 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermThreeMember" xlink:to="label_asrv_TermThreeMember_2" xlink:title="Label : asrv_TermThreeMember to label_asrv_TermThreeMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TermFourMember" xlink:label="asrv_TermFourMember" xlink:title="asrv_TermFourMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermFourMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TermFourMember" xml:lang="en-US" id="label_asrv_TermFourMember">Term 4.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermFourMember" xlink:to="label_asrv_TermFourMember" xlink:title="Label : asrv_TermFourMember to label_asrv_TermFourMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermFourMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TermFourMember_1" xml:lang="en-US" id="label_asrv_TermFourMember_1">Term Four [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermFourMember" xlink:to="label_asrv_TermFourMember_1" xlink:title="Label : asrv_TermFourMember to label_asrv_TermFourMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TermFourMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TermFourMember_2" xml:lang="en-US" id="label_asrv_TermFourMember_2">Term 4 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TermFourMember" xlink:to="label_asrv_TermFourMember_2" xlink:title="Label : asrv_TermFourMember to label_asrv_TermFourMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:label="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:title="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock">Tabular discosure of changes in each component of accumulated other comprehensive income (loss).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:title="Label : asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock to label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_1">Schedule Of Changes In Each Component Of Accumulated Other Comprehensive Income Loss [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock to label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_2">Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock to label_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:label="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:title="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock">Tabular disclosure of amounts reclassified out of accumulated other comprehensive loss.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:to="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:title="Label : asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock to label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_1">Schedule Of Amounts Reclassified Out Of Accumulated Other Comprehensive Loss [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:to="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock to label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_2">Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:to="label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock to label_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DividendAnnualizedPeriod" xlink:label="asrv_DividendAnnualizedPeriod" xlink:title="asrv_DividendAnnualizedPeriod" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DividendAnnualizedPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DividendAnnualizedPeriod" xml:lang="en-US" id="label_asrv_DividendAnnualizedPeriod">Dividend annualized period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendAnnualizedPeriod" xlink:to="label_asrv_DividendAnnualizedPeriod" xlink:title="Label : asrv_DividendAnnualizedPeriod to label_asrv_DividendAnnualizedPeriod" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DividendAnnualizedPeriod_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DividendAnnualizedPeriod_1" xml:lang="en-US" id="label_asrv_DividendAnnualizedPeriod_1">Dividend Annualized Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendAnnualizedPeriod" xlink:to="label_asrv_DividendAnnualizedPeriod_1" xlink:title="Label : asrv_DividendAnnualizedPeriod to label_asrv_DividendAnnualizedPeriod_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DividendAnnualizedPeriod_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_DividendAnnualizedPeriod_2" xml:lang="en-US" id="label_asrv_DividendAnnualizedPeriod_2">Dividend Annualized Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendAnnualizedPeriod" xlink:to="label_asrv_DividendAnnualizedPeriod_2" xlink:title="Label : asrv_DividendAnnualizedPeriod to label_asrv_DividendAnnualizedPeriod_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:label="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xml:lang="en-US" id="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications">The amount of other comprehensive income (loss) before reclassifications.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:to="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:title="Label : asrv_OtherComprehensiveIncomeLossBeforeReclassifications to label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_1" xml:lang="en-US" id="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_1">Other Comprehensive Income Loss Before Reclassifications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:to="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_1" xlink:title="Label : asrv_OtherComprehensiveIncomeLossBeforeReclassifications to label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_2" xml:lang="en-US" id="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_2">Other comprehensive income (loss) before reclassifications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:to="label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_2" xlink:title="Label : asrv_OtherComprehensiveIncomeLossBeforeReclassifications to label_asrv_OtherComprehensiveIncomeLossBeforeReclassifications_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:label="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xml:lang="en-US" id="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss">Amounts Reclassified From Accumulated Other Comprehensive Income Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:to="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:title="Label : asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss to label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_1" xml:lang="en-US" id="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_1">Amounts Reclassified From Accumulated Other Comprehensive Income Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:to="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_1" xlink:title="Label : asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss to label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_2" xml:lang="en-US" id="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_2">Amounts reclassified from accumulated other comprehensive loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:to="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_2" xlink:title="Label : asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss to label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_2" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_3" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_3" xml:lang="en-US" id="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_3">Total reclassifications for the period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:to="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_3" xlink:title="Label : asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss to label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_3" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_4" xml:lang="en-US" id="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_4">Total reclassifications for the period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:to="label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_4" xlink:title="Label : asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss to label_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss_4" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:label="asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:title="asrv_MinimumPercentageTierOneCapitalToBeMaintained" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained" xml:lang="en-US" id="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained">Minimum percentage tier one capital to be maintained.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:to="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:title="Label : asrv_MinimumPercentageTierOneCapitalToBeMaintained to label_asrv_MinimumPercentageTierOneCapitalToBeMaintained" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_1" xml:lang="en-US" id="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_1">Minimum Percentage Tier One Capital To Be Maintained</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:to="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_1" xlink:title="Label : asrv_MinimumPercentageTierOneCapitalToBeMaintained to label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_2" xml:lang="en-US" id="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_2">Minimum Tier 1 capital required to pay dividends</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:to="label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_2" xlink:title="Label : asrv_MinimumPercentageTierOneCapitalToBeMaintained to label_asrv_MinimumPercentageTierOneCapitalToBeMaintained_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:label="asrv_PreferredStockRedemptionPricePercentage" xlink:title="asrv_PreferredStockRedemptionPricePercentage" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockRedemptionPricePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PreferredStockRedemptionPricePercentage" xml:lang="en-US" id="label_asrv_PreferredStockRedemptionPricePercentage">Preferred Stock, Redemption, Price Percentage.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockRedemptionPricePercentage" xlink:to="label_asrv_PreferredStockRedemptionPricePercentage" xlink:title="Label : asrv_PreferredStockRedemptionPricePercentage to label_asrv_PreferredStockRedemptionPricePercentage" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockRedemptionPricePercentage_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PreferredStockRedemptionPricePercentage_1" xml:lang="en-US" id="label_asrv_PreferredStockRedemptionPricePercentage_1">Preferred Stock Redemption Price Percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockRedemptionPricePercentage" xlink:to="label_asrv_PreferredStockRedemptionPricePercentage_1" xlink:title="Label : asrv_PreferredStockRedemptionPricePercentage to label_asrv_PreferredStockRedemptionPricePercentage_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockRedemptionPricePercentage_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_PreferredStockRedemptionPricePercentage_2" xml:lang="en-US" id="label_asrv_PreferredStockRedemptionPricePercentage_2">Redemption price, percent of liquidation amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockRedemptionPricePercentage" xlink:to="label_asrv_PreferredStockRedemptionPricePercentage_2" xlink:title="Label : asrv_PreferredStockRedemptionPricePercentage to label_asrv_PreferredStockRedemptionPricePercentage_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:label="asrv_PercentageOfLendingIncentiveFeePayable" xlink:title="asrv_PercentageOfLendingIncentiveFeePayable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfLendingIncentiveFeePayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PercentageOfLendingIncentiveFeePayable" xml:lang="en-US" id="label_asrv_PercentageOfLendingIncentiveFeePayable">Percentage of lending incentive fee payable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfLendingIncentiveFeePayable" xlink:to="label_asrv_PercentageOfLendingIncentiveFeePayable" xlink:title="Label : asrv_PercentageOfLendingIncentiveFeePayable to label_asrv_PercentageOfLendingIncentiveFeePayable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfLendingIncentiveFeePayable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PercentageOfLendingIncentiveFeePayable_1" xml:lang="en-US" id="label_asrv_PercentageOfLendingIncentiveFeePayable_1">Percentage of Lending Incentive Fee Payable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfLendingIncentiveFeePayable" xlink:to="label_asrv_PercentageOfLendingIncentiveFeePayable_1" xlink:title="Label : asrv_PercentageOfLendingIncentiveFeePayable to label_asrv_PercentageOfLendingIncentiveFeePayable_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfLendingIncentiveFeePayable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_PercentageOfLendingIncentiveFeePayable_2" xml:lang="en-US" id="label_asrv_PercentageOfLendingIncentiveFeePayable_2">Lending incentive fee</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfLendingIncentiveFeePayable" xlink:to="label_asrv_PercentageOfLendingIncentiveFeePayable_2" xlink:title="Label : asrv_PercentageOfLendingIncentiveFeePayable to label_asrv_PercentageOfLendingIncentiveFeePayable_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:label="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:title="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xml:lang="en-US" id="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr">Non-performing Assets Including Troubled Debt Restructurings (TDR).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:to="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:title="Label : asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr to label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_1" xml:lang="en-US" id="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_1">Non Performing Assets Including Troubled Debt Restructurings Tdr</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:to="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_1" xlink:title="Label : asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr to label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_2" xml:lang="en-US" id="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_2">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:to="label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_2" xlink:title="Label : asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr to label_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:label="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:title="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock">Schedule of non-performing assets including trouble debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:to="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:title="Label : asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock to label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_1">Schedule Of Nonperforming Assets Including Trouble Debt Restructurings [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:to="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock to label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_2">Schedule of Non-performing Assets Including TDR</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:to="label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock to label_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:label="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:title="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock">Schedule of recorded investment in loans as trouble debt restructuring.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:to="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:title="Label : asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock to label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_1">Schedule Of Recorded Investment In Loans As Trouble Debt Restructuring Table Text Block</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:to="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock to label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_2">Schedule of Recorded Investment of Defaults</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:to="label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock to label_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:label="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:title="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xml:lang="en-US" id="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment">The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:to="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:title="Label : asrv_TroubledDebtRestructuringModificationsRecordedInvestment to label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_1" xml:lang="en-US" id="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_1">Troubled Debt Restructuring Modifications Recorded Investment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:to="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_1" xlink:title="Label : asrv_TroubledDebtRestructuringModificationsRecordedInvestment to label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_2" xml:lang="en-US" id="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_2">TDR's not in non-accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:to="label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_2" xlink:title="Label : asrv_TroubledDebtRestructuringModificationsRecordedInvestment to label_asrv_TroubledDebtRestructuringModificationsRecordedInvestment_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:label="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:title="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings">Total non-performing assets including trouble debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:to="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubleDebtRestructurings to label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_1" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_1">Nonperforming Assets Including Trouble Debt Restructurings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:to="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_1" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubleDebtRestructurings to label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_2" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_2">Total non-performing assets including TDR</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:to="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_2" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubleDebtRestructurings to label_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RangeOneMember" xlink:label="asrv_RangeOneMember" xlink:title="asrv_RangeOneMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RangeOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RangeOneMember" xml:lang="en-US" id="label_asrv_RangeOneMember">Range One [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RangeOneMember" xlink:to="label_asrv_RangeOneMember" xlink:title="Label : asrv_RangeOneMember to label_asrv_RangeOneMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RangeOneMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RangeOneMember_1" xml:lang="en-US" id="label_asrv_RangeOneMember_1">Range One [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RangeOneMember" xlink:to="label_asrv_RangeOneMember_1" xlink:title="Label : asrv_RangeOneMember to label_asrv_RangeOneMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:label="asrv_AccretionOfRedemptionDiscount" xlink:title="asrv_AccretionOfRedemptionDiscount" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccretionOfRedemptionDiscount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AccretionOfRedemptionDiscount" xml:lang="en-US" id="label_asrv_AccretionOfRedemptionDiscount">Accretion of redemption or discount for preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccretionOfRedemptionDiscount" xlink:to="label_asrv_AccretionOfRedemptionDiscount" xlink:title="Label : asrv_AccretionOfRedemptionDiscount to label_asrv_AccretionOfRedemptionDiscount" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccretionOfRedemptionDiscount_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AccretionOfRedemptionDiscount_1" xml:lang="en-US" id="label_asrv_AccretionOfRedemptionDiscount_1">Accretion Of Redemption Discount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccretionOfRedemptionDiscount" xlink:to="label_asrv_AccretionOfRedemptionDiscount_1" xlink:title="Label : asrv_AccretionOfRedemptionDiscount to label_asrv_AccretionOfRedemptionDiscount_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccretionOfRedemptionDiscount_2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_asrv_AccretionOfRedemptionDiscount_2" xml:lang="en-US" id="label_asrv_AccretionOfRedemptionDiscount_2">Accretion of preferred stock discount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccretionOfRedemptionDiscount" xlink:to="label_asrv_AccretionOfRedemptionDiscount_2" xlink:title="Label : asrv_AccretionOfRedemptionDiscount to label_asrv_AccretionOfRedemptionDiscount_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:label="asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:title="asrv_AccumulatedOtherComprehensiveLossLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AccumulatedOtherComprehensiveLossLineItems" xml:lang="en-US" id="label_asrv_AccumulatedOtherComprehensiveLossLineItems">Accumulated Other Comprehensive Loss [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:to="label_asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:title="Label : asrv_AccumulatedOtherComprehensiveLossLineItems to label_asrv_AccumulatedOtherComprehensiveLossLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccumulatedOtherComprehensiveLossLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AccumulatedOtherComprehensiveLossLineItems_1" xml:lang="en-US" id="label_asrv_AccumulatedOtherComprehensiveLossLineItems_1">Accumulated Other Comprehensive Loss [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:to="label_asrv_AccumulatedOtherComprehensiveLossLineItems_1" xlink:title="Label : asrv_AccumulatedOtherComprehensiveLossLineItems to label_asrv_AccumulatedOtherComprehensiveLossLineItems_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:label="asrv_AccumulatedOtherComprehensiveLossTable" xlink:title="asrv_AccumulatedOtherComprehensiveLossTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccumulatedOtherComprehensiveLossTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AccumulatedOtherComprehensiveLossTable" xml:lang="en-US" id="label_asrv_AccumulatedOtherComprehensiveLossTable">Accumulated Other Comprehensive Loss [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccumulatedOtherComprehensiveLossTable" xlink:to="label_asrv_AccumulatedOtherComprehensiveLossTable" xlink:title="Label : asrv_AccumulatedOtherComprehensiveLossTable to label_asrv_AccumulatedOtherComprehensiveLossTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AccumulatedOtherComprehensiveLossTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AccumulatedOtherComprehensiveLossTable_1" xml:lang="en-US" id="label_asrv_AccumulatedOtherComprehensiveLossTable_1">Accumulated Other Comprehensive Loss [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AccumulatedOtherComprehensiveLossTable" xlink:to="label_asrv_AccumulatedOtherComprehensiveLossTable_1" xlink:title="Label : asrv_AccumulatedOtherComprehensiveLossTable to label_asrv_AccumulatedOtherComprehensiveLossTable_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:label="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:title="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xml:lang="en-US" id="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays">Aggregate of multiple consecutive maturity date extensions delay in payment.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:to="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:title="Label : asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays to label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_1" xml:lang="en-US" id="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_1">Aggregate of Multiple Consecutive Maturity Date Extensions Delay in Payment Days</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:to="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_1" xlink:title="Label : asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays to label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_2" xml:lang="en-US" id="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_2">Aggregate of multiple consecutive maturity date extensions delay in payment, days</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:to="label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_2" xlink:title="Label : asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays to label_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AllocationForGeneralRiskMember" xlink:label="asrv_AllocationForGeneralRiskMember" xlink:title="asrv_AllocationForGeneralRiskMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllocationForGeneralRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AllocationForGeneralRiskMember" xml:lang="en-US" id="label_asrv_AllocationForGeneralRiskMember">Allocation for general risk.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllocationForGeneralRiskMember" xlink:to="label_asrv_AllocationForGeneralRiskMember" xlink:title="Label : asrv_AllocationForGeneralRiskMember to label_asrv_AllocationForGeneralRiskMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllocationForGeneralRiskMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AllocationForGeneralRiskMember_1" xml:lang="en-US" id="label_asrv_AllocationForGeneralRiskMember_1">Allocation For General Risk [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllocationForGeneralRiskMember" xlink:to="label_asrv_AllocationForGeneralRiskMember_1" xlink:title="Label : asrv_AllocationForGeneralRiskMember to label_asrv_AllocationForGeneralRiskMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllocationForGeneralRiskMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AllocationForGeneralRiskMember_2" xml:lang="en-US" id="label_asrv_AllocationForGeneralRiskMember_2">Allocation for general risk [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllocationForGeneralRiskMember" xlink:to="label_asrv_AllocationForGeneralRiskMember_2" xlink:title="Label : asrv_AllocationForGeneralRiskMember to label_asrv_AllocationForGeneralRiskMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:label="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:title="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances">Allowance for loan losses presentation of credit rated with aggregate balances.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:to="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:title="Label : asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances to label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_1" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_1">Allowance for Loan Losses Presentation of Credit Rated with Aggregate Balances</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:to="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_1" xlink:title="Label : asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances to label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_2" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_2">Credits rated Pass-6 with aggregate balances</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:to="label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_2" xlink:title="Label : asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances to label_asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:label="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:title="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings">The specific ALL reserve for loans modified as TDR's.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:to="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:title="Label : asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings to label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_1" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_1">Allowance For Loan Losses Reserve For Loans Modified As Troubled Debt Restructurings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:to="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_1" xlink:title="Label : asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings to label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_2" xml:lang="en-US" id="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_2">ALL reserve for loans modified as TDR's</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:to="label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_2" xlink:title="Label : asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings to label_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:label="asrv_AmeriservFinancialIncCommonStockMember" xlink:title="asrv_AmeriservFinancialIncCommonStockMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmeriservFinancialIncCommonStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_AmeriservFinancialIncCommonStockMember" xml:lang="en-US" id="label_asrv_AmeriservFinancialIncCommonStockMember">Amerserv Financial, Inc. Common Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmeriservFinancialIncCommonStockMember" xlink:to="label_asrv_AmeriservFinancialIncCommonStockMember" xlink:title="Label : asrv_AmeriservFinancialIncCommonStockMember to label_asrv_AmeriservFinancialIncCommonStockMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_AmeriservFinancialIncCommonStockMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_AmeriservFinancialIncCommonStockMember_1" xml:lang="en-US" id="label_asrv_AmeriservFinancialIncCommonStockMember_1">Ameriserv Financial, Inc. Common Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_AmeriservFinancialIncCommonStockMember" xlink:to="label_asrv_AmeriservFinancialIncCommonStockMember_1" xlink:title="Label : asrv_AmeriservFinancialIncCommonStockMember to label_asrv_AmeriservFinancialIncCommonStockMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:label="asrv_AnticipatedScopeOfRangeOfCoverage" xlink:title="asrv_AnticipatedScopeOfRangeOfCoverage" />
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    <link:label xlink:type="resource" xlink:label="label_asrv_DividendRateOfPreferredStockDomain_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DividendRateOfPreferredStockDomain_1" xml:lang="en-US" id="label_asrv_DividendRateOfPreferredStockDomain_1">Dividend Rate of Preferred Stock [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DividendRateOfPreferredStockDomain" xlink:to="label_asrv_DividendRateOfPreferredStockDomain_1" xlink:title="Label : asrv_DividendRateOfPreferredStockDomain to label_asrv_DividendRateOfPreferredStockDomain_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:label="asrv_DocumentAndEntityInformationAbstract" xlink:title="asrv_DocumentAndEntityInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DocumentAndEntityInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_DocumentAndEntityInformationAbstract" xml:lang="en-US" id="label_asrv_DocumentAndEntityInformationAbstract">Document and entity information.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DocumentAndEntityInformationAbstract" xlink:to="label_asrv_DocumentAndEntityInformationAbstract" xlink:title="Label : asrv_DocumentAndEntityInformationAbstract to label_asrv_DocumentAndEntityInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_DocumentAndEntityInformationAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_DocumentAndEntityInformationAbstract_1" xml:lang="en-US" id="label_asrv_DocumentAndEntityInformationAbstract_1">Document and Entity Information [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_DocumentAndEntityInformationAbstract" xlink:to="label_asrv_DocumentAndEntityInformationAbstract_1" xlink:title="Label : asrv_DocumentAndEntityInformationAbstract to label_asrv_DocumentAndEntityInformationAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:label="asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:title="asrv_FederalHomeLoanBankPrepaymentPenalties" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FederalHomeLoanBankPrepaymentPenalties" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankPrepaymentPenalties">Federal Home Loan Bank prepayment penalties.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:to="label_asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:title="Label : asrv_FederalHomeLoanBankPrepaymentPenalties to label_asrv_FederalHomeLoanBankPrepaymentPenalties" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankPrepaymentPenalties_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FederalHomeLoanBankPrepaymentPenalties_1" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankPrepaymentPenalties_1">Federal Home Loan Bank Prepayment Penalties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:to="label_asrv_FederalHomeLoanBankPrepaymentPenalties_1" xlink:title="Label : asrv_FederalHomeLoanBankPrepaymentPenalties to label_asrv_FederalHomeLoanBankPrepaymentPenalties_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FederalHomeLoanBankPrepaymentPenalties_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FederalHomeLoanBankPrepaymentPenalties_2" xml:lang="en-US" id="label_asrv_FederalHomeLoanBankPrepaymentPenalties_2">Federal Home Loan Bank prepayment penalties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:to="label_asrv_FederalHomeLoanBankPrepaymentPenalties_2" xlink:title="Label : asrv_FederalHomeLoanBankPrepaymentPenalties to label_asrv_FederalHomeLoanBankPrepaymentPenalties_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:label="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:title="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract">Financial Instruments, Financial Assets, CarryingValue [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:title="Label : asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_1" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_1">Financial Instruments Financial Assets Carrying Value Abstract</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_1" xlink:title="Label : asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_2" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_2">FINANCIAL ASSETS: Carrying Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_2" xlink:title="Label : asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:label="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:title="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract">Financial Instruments, Financial Liabilities, Carrying Value [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:title="Label : asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_1" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_1">Financial Instruments, Financial Liabilities, Carrying Value [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_1" xlink:title="Label : asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_2" xml:lang="en-US" id="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_2">FINANCIAL LIABILITIES: Carrying Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:to="label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_2" xlink:title="Label : asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract to label_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:label="asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:title="asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xml:lang="en-US" id="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis">Financing receivable, accrual and non-accrual status.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:to="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:title="Label : asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis to label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis_1" xml:lang="en-US" id="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis_1">Financing Receivable Accrual And Nonaccrual Status [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:to="label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis_1" xlink:title="Label : asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis to label_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:label="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:title="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xml:lang="en-US" id="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain">Financing receivable, accrual and non-accrual status.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:to="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:title="Label : asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain to label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_1" xml:lang="en-US" id="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_1">Financing Receivable Accrual and Non Accrual Status [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:to="label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_1" xlink:title="Label : asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain to label_asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:label="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:title="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xml:lang="en-US" id="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed">Financing Receivable, Minimum Percent Required To Be Reviewed.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:to="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:title="Label : asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed to label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_1" xml:lang="en-US" id="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_1">Financing Receivable Minimum Percent Required To Be Reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:to="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_1" xlink:title="Label : asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed to label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_2" xml:lang="en-US" id="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_2">Minimum percent of portfolio to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:to="label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_2" xlink:title="Label : asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed to label_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:label="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews">Financing Receivable, Threshold Balance Which Requires Quarterly Reviews.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:to="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:title="Label : asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews to label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_1" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_1">Financing Receivable Threshold Balance Which Requires Quarterly Reviews</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:to="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_1" xlink:title="Label : asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews to label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_2" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_2">Minimum individual loan balance requiring quarterly review</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:to="label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_2" xlink:title="Label : asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews to label_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:label="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:title="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment">Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:title="Label : asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_1" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_1">Financing Receivable Threshold For Individually Evaluating Of Impairment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_1" xlink:title="Label : asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_2" xml:lang="en-US" id="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_2">Threshold for individually evaluating loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:to="label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_2" xlink:title="Label : asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment to label_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_GainOnSaleOfSecurities" xlink:label="asrv_GainOnSaleOfSecurities" xlink:title="asrv_GainOnSaleOfSecurities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_GainOnSaleOfSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_GainOnSaleOfSecurities" xml:lang="en-US" id="label_asrv_GainOnSaleOfSecurities">The gain realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_GainOnSaleOfSecurities" xlink:to="label_asrv_GainOnSaleOfSecurities" xlink:title="Label : asrv_GainOnSaleOfSecurities to label_asrv_GainOnSaleOfSecurities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_GainOnSaleOfSecurities_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_GainOnSaleOfSecurities_1" xml:lang="en-US" id="label_asrv_GainOnSaleOfSecurities_1">Gain On Sale Of Securities</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears">This item represents the yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_1">Held To Maturity Securities Debt Maturities Yield After Fifteen Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears_2">Held to Maturity, Over 15 years, Yield</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">This item represents the yield percent of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1">Held To Maturity Securities Debt Maturities Yield After Five Through Ten Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears_2">Held to Maturity, After 5 years but within 10 years, Yield</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">This item represents the yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1">Held To Maturity Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_2">Held to Maturity, After 10 years but within 15 years, Yield</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:to="label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_2" xlink:title="Label : asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears to label_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:label="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:title="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm">Held To Maturity Securities, Weighted Average Maturity Term.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:to="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:title="Label : asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm to label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_1">Held To Maturity Securities Weighted Average Maturity Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:to="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm to label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_2">Weighted average expected maturity for held to maturity securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:to="label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_2" xlink:title="Label : asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm to label_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ImpairedLoansAxis" xlink:label="asrv_ImpairedLoansAxis" xlink:title="asrv_ImpairedLoansAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ImpairedLoansAxis" xml:lang="en-US" id="label_asrv_ImpairedLoansAxis">Impaired Loans [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansAxis" xlink:to="label_asrv_ImpairedLoansAxis" xlink:title="Label : asrv_ImpairedLoansAxis to label_asrv_ImpairedLoansAxis" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansAxis_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ImpairedLoansAxis_1" xml:lang="en-US" id="label_asrv_ImpairedLoansAxis_1">Impaired Loans [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansAxis" xlink:to="label_asrv_ImpairedLoansAxis_1" xlink:title="Label : asrv_ImpairedLoansAxis to label_asrv_ImpairedLoansAxis_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:title="dei_LegalEntityAxis" />
    <link:label xlink:type="resource" xlink:label="label_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_LegalEntityAxis" xml:lang="en-US" id="label_dei_LegalEntityAxis">Legal Entity [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="label_dei_LegalEntityAxis" xlink:title="Label : dei_LegalEntityAxis to label_dei_LegalEntityAxis" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ImpairedLoansDomain" xlink:label="asrv_ImpairedLoansDomain" xlink:title="asrv_ImpairedLoansDomain" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ImpairedLoansDomain" xml:lang="en-US" id="label_asrv_ImpairedLoansDomain">Impaired Loans [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansDomain" xlink:to="label_asrv_ImpairedLoansDomain" xlink:title="Label : asrv_ImpairedLoansDomain to label_asrv_ImpairedLoansDomain" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansDomain_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ImpairedLoansDomain_1" xml:lang="en-US" id="label_asrv_ImpairedLoansDomain_1">Impaired Loans [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansDomain" xlink:to="label_asrv_ImpairedLoansDomain_1" xlink:title="Label : asrv_ImpairedLoansDomain to label_asrv_ImpairedLoansDomain_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:title="dei_DocumentType" />
    <link:label xlink:type="resource" xlink:label="label_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentType" xml:lang="en-US" id="label_dei_DocumentType">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="label_dei_DocumentType" xlink:title="Label : dei_DocumentType to label_dei_DocumentType" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:label="asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:title="asrv_ImpairedLoansWithNoSpecificAllowanceMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember" xml:lang="en-US" id="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember">Impaired loans with no specific allowance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:to="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:title="Label : asrv_ImpairedLoansWithNoSpecificAllowanceMember to label_asrv_ImpairedLoansWithNoSpecificAllowanceMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember_1" xml:lang="en-US" id="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember_1">Impaired Loans with No Specific Allowance [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:to="label_asrv_ImpairedLoansWithNoSpecificAllowanceMember_1" xlink:title="Label : asrv_ImpairedLoansWithNoSpecificAllowanceMember to label_asrv_ImpairedLoansWithNoSpecificAllowanceMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:label="asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:title="asrv_ImpairedLoansWithSpecificAllowanceMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ImpairedLoansWithSpecificAllowanceMember" xml:lang="en-US" id="label_asrv_ImpairedLoansWithSpecificAllowanceMember">Impaired loans with specific allowance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:to="label_asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:title="Label : asrv_ImpairedLoansWithSpecificAllowanceMember to label_asrv_ImpairedLoansWithSpecificAllowanceMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ImpairedLoansWithSpecificAllowanceMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ImpairedLoansWithSpecificAllowanceMember_1" xml:lang="en-US" id="label_asrv_ImpairedLoansWithSpecificAllowanceMember_1">Impaired Loans with Specific Allowance [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:to="label_asrv_ImpairedLoansWithSpecificAllowanceMember_1" xlink:title="Label : asrv_ImpairedLoansWithSpecificAllowanceMember to label_asrv_ImpairedLoansWithSpecificAllowanceMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:label="asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:title="asrv_IncreaseDecreaseInShortTermDebtInvesting" />
    <link:label xlink:type="resource" xlink:label="label_asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_IncreaseDecreaseInShortTermDebtInvesting" xml:lang="en-US" id="label_asrv_IncreaseDecreaseInShortTermDebtInvesting">The increase (decrease) during the period of short term debt classified as investing activities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:to="label_asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:title="Label : asrv_IncreaseDecreaseInShortTermDebtInvesting to label_asrv_IncreaseDecreaseInShortTermDebtInvesting" />
    <link:label xlink:type="resource" xlink:label="label_asrv_IncreaseDecreaseInShortTermDebtInvesting_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_IncreaseDecreaseInShortTermDebtInvesting_1" xml:lang="en-US" id="label_asrv_IncreaseDecreaseInShortTermDebtInvesting_1">Increase Decrease In Short Term Debt Investing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:to="label_asrv_IncreaseDecreaseInShortTermDebtInvesting_1" xlink:title="Label : asrv_IncreaseDecreaseInShortTermDebtInvesting to label_asrv_IncreaseDecreaseInShortTermDebtInvesting_1" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:label="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:label="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:title="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xml:lang="en-US" id="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore">Interest Expense, Domestic Deposit Liabilities, Time Deposits $100,000 Or More.</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_1" xml:lang="en-US" id="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_1">Interest Expense Domestic Deposit Liabilities Time Deposits One Hundred Thousand Dollars Or More</link:label>
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    <link:label xlink:type="resource" xlink:label="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_2" xml:lang="en-US" id="label_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore_2">Certificates of deposit in denominations of $100,000 or more</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InterestIncomeRecordedNonaccrualLoans" xlink:label="asrv_InterestIncomeRecordedNonaccrualLoans" xlink:title="asrv_InterestIncomeRecordedNonaccrualLoans" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestIncomeRecordedNonaccrualLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_InterestIncomeRecordedNonaccrualLoans" xml:lang="en-US" id="label_asrv_InterestIncomeRecordedNonaccrualLoans">Interest income recorded for nonaccrual loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InterestIncomeRecordedNonaccrualLoans" xlink:to="label_asrv_InterestIncomeRecordedNonaccrualLoans" xlink:title="Label : asrv_InterestIncomeRecordedNonaccrualLoans to label_asrv_InterestIncomeRecordedNonaccrualLoans" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestIncomeRecordedNonaccrualLoans_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InterestIncomeRecordedNonaccrualLoans_1" xml:lang="en-US" id="label_asrv_InterestIncomeRecordedNonaccrualLoans_1">Interest Income Recorded Nonaccrual Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InterestIncomeRecordedNonaccrualLoans" xlink:to="label_asrv_InterestIncomeRecordedNonaccrualLoans_1" xlink:title="Label : asrv_InterestIncomeRecordedNonaccrualLoans to label_asrv_InterestIncomeRecordedNonaccrualLoans_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InterestIncomeRecordedNonaccrualLoans_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_InterestIncomeRecordedNonaccrualLoans_2" xml:lang="en-US" id="label_asrv_InterestIncomeRecordedNonaccrualLoans_2">Interest income recorded</link:label>
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:label="asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:title="asrv_InvestmentSecuritiesAdditionalTextualAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:to="label_asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:title="Label : asrv_InvestmentSecuritiesAdditionalTextualAbstract to label_asrv_InvestmentSecuritiesAdditionalTextualAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_InvestmentSecuritiesAdditionalTextualAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_InvestmentSecuritiesAdditionalTextualAbstract_1" xml:lang="en-US" id="label_asrv_InvestmentSecuritiesAdditionalTextualAbstract_1">Investment Securities (Additional Textual) [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:to="label_asrv_InvestmentSecuritiesAdditionalTextualAbstract_1" xlink:title="Label : asrv_InvestmentSecuritiesAdditionalTextualAbstract to label_asrv_InvestmentSecuritiesAdditionalTextualAbstract_1" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:label="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:title="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xml:lang="en-US" id="label_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract">Loan portfolio classified as performance and nonperformance.</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="us-gaap_AccountingPoliciesAbstract" xlink:title="us-gaap_AccountingPoliciesAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="label_us-gaap_AccountingPoliciesAbstract" xlink:title="Label : us-gaap_AccountingPoliciesAbstract to label_us-gaap_AccountingPoliciesAbstract" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LoansInAccrualStatusMember" xlink:label="asrv_LoansInAccrualStatusMember" xlink:title="asrv_LoansInAccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInAccrualStatusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_LoansInAccrualStatusMember" xml:lang="en-US" id="label_asrv_LoansInAccrualStatusMember">Loans in accrual status.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInAccrualStatusMember" xlink:to="label_asrv_LoansInAccrualStatusMember" xlink:title="Label : asrv_LoansInAccrualStatusMember to label_asrv_LoansInAccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInAccrualStatusMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_LoansInAccrualStatusMember_1" xml:lang="en-US" id="label_asrv_LoansInAccrualStatusMember_1">Loans in Accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInAccrualStatusMember" xlink:to="label_asrv_LoansInAccrualStatusMember_1" xlink:title="Label : asrv_LoansInAccrualStatusMember to label_asrv_LoansInAccrualStatusMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInAccrualStatusMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_LoansInAccrualStatusMember_2" xml:lang="en-US" id="label_asrv_LoansInAccrualStatusMember_2">Loans in accrual status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInAccrualStatusMember" xlink:to="label_asrv_LoansInAccrualStatusMember_2" xlink:title="Label : asrv_LoansInAccrualStatusMember to label_asrv_LoansInAccrualStatusMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:label="asrv_LoansInNonAccrualStatusMember" xlink:title="asrv_LoansInNonAccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInNonAccrualStatusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_LoansInNonAccrualStatusMember" xml:lang="en-US" id="label_asrv_LoansInNonAccrualStatusMember">Loans in non-accrual status.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInNonAccrualStatusMember" xlink:to="label_asrv_LoansInNonAccrualStatusMember" xlink:title="Label : asrv_LoansInNonAccrualStatusMember to label_asrv_LoansInNonAccrualStatusMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInNonAccrualStatusMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_LoansInNonAccrualStatusMember_1" xml:lang="en-US" id="label_asrv_LoansInNonAccrualStatusMember_1">Loans in Non Accrual Status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInNonAccrualStatusMember" xlink:to="label_asrv_LoansInNonAccrualStatusMember_1" xlink:title="Label : asrv_LoansInNonAccrualStatusMember to label_asrv_LoansInNonAccrualStatusMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansInNonAccrualStatusMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_LoansInNonAccrualStatusMember_2" xml:lang="en-US" id="label_asrv_LoansInNonAccrualStatusMember_2">Loans in non-accrual status [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansInNonAccrualStatusMember" xlink:to="label_asrv_LoansInNonAccrualStatusMember_2" xlink:title="Label : asrv_LoansInNonAccrualStatusMember to label_asrv_LoansInNonAccrualStatusMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LoansPastDueAsToMaturity" xlink:label="asrv_LoansPastDueAsToMaturity" xlink:title="asrv_LoansPastDueAsToMaturity" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansPastDueAsToMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_LoansPastDueAsToMaturity" xml:lang="en-US" id="label_asrv_LoansPastDueAsToMaturity">Loans past due as to maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansPastDueAsToMaturity" xlink:to="label_asrv_LoansPastDueAsToMaturity" xlink:title="Label : asrv_LoansPastDueAsToMaturity to label_asrv_LoansPastDueAsToMaturity" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansPastDueAsToMaturity_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_LoansPastDueAsToMaturity_1" xml:lang="en-US" id="label_asrv_LoansPastDueAsToMaturity_1">Loans Past Due as to Maturity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansPastDueAsToMaturity" xlink:to="label_asrv_LoansPastDueAsToMaturity_1" xlink:title="Label : asrv_LoansPastDueAsToMaturity to label_asrv_LoansPastDueAsToMaturity_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LoansPastDueAsToMaturity_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_LoansPastDueAsToMaturity_2" xml:lang="en-US" id="label_asrv_LoansPastDueAsToMaturity_2">Loans past due as to maturity, days</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LoansPastDueAsToMaturity" xlink:to="label_asrv_LoansPastDueAsToMaturity_2" xlink:title="Label : asrv_LoansPastDueAsToMaturity to label_asrv_LoansPastDueAsToMaturity_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_LossOnSaleOfSecurities" xlink:label="asrv_LossOnSaleOfSecurities" xlink:title="asrv_LossOnSaleOfSecurities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LossOnSaleOfSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_LossOnSaleOfSecurities" xml:lang="en-US" id="label_asrv_LossOnSaleOfSecurities">The loss realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LossOnSaleOfSecurities" xlink:to="label_asrv_LossOnSaleOfSecurities" xlink:title="Label : asrv_LossOnSaleOfSecurities to label_asrv_LossOnSaleOfSecurities" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LossOnSaleOfSecurities_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_LossOnSaleOfSecurities_1" xml:lang="en-US" id="label_asrv_LossOnSaleOfSecurities_1">Loss On Sale Of Securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LossOnSaleOfSecurities" xlink:to="label_asrv_LossOnSaleOfSecurities_1" xlink:title="Label : asrv_LossOnSaleOfSecurities to label_asrv_LossOnSaleOfSecurities_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_LossOnSaleOfSecurities_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_LossOnSaleOfSecurities_2" xml:lang="en-US" id="label_asrv_LossOnSaleOfSecurities_2">Gross investment losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_LossOnSaleOfSecurities" xlink:to="label_asrv_LossOnSaleOfSecurities_2" xlink:title="Label : asrv_LossOnSaleOfSecurities to label_asrv_LossOnSaleOfSecurities_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:label="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:title="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xml:lang="en-US" id="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus">Minimum number of consecutive months payment for removing the loan from non-accrual status.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:to="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:title="Label : asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus to label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_1" xml:lang="en-US" id="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_1">Minimum Number Of Consecutive Months Payment For Removing Loan From Nonaccrual Status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:to="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_1" xlink:title="Label : asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus to label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_2" xml:lang="en-US" id="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_2">Minimum consecutive months payment for removing the loan from non-accrual status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:to="label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_2" xlink:title="Label : asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus to label_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NetReductionInInterestIncome" xlink:label="asrv_NetReductionInInterestIncome" xlink:title="asrv_NetReductionInInterestIncome" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NetReductionInInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NetReductionInInterestIncome" xml:lang="en-US" id="label_asrv_NetReductionInInterestIncome">Net reduction in interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NetReductionInInterestIncome" xlink:to="label_asrv_NetReductionInInterestIncome" xlink:title="Label : asrv_NetReductionInInterestIncome to label_asrv_NetReductionInInterestIncome" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NetReductionInInterestIncome_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NetReductionInInterestIncome_1" xml:lang="en-US" id="label_asrv_NetReductionInInterestIncome_1">Net Reduction in Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NetReductionInInterestIncome" xlink:to="label_asrv_NetReductionInInterestIncome_1" xlink:title="Label : asrv_NetReductionInInterestIncome to label_asrv_NetReductionInInterestIncome_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NetReductionInInterestIncome_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_asrv_NetReductionInInterestIncome_2" xml:lang="en-US" id="label_asrv_NetReductionInInterestIncome_2">Net reduction in interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NetReductionInInterestIncome" xlink:to="label_asrv_NetReductionInInterestIncome_2" xlink:title="Label : asrv_NetReductionInInterestIncome to label_asrv_NetReductionInInterestIncome_2" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NetReductionInInterestIncome_3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_NetReductionInInterestIncome_3" xml:lang="en-US" id="label_asrv_NetReductionInInterestIncome_3">Net reduction in interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NetReductionInInterestIncome" xlink:to="label_asrv_NetReductionInInterestIncome_3" xlink:title="Label : asrv_NetReductionInInterestIncome to label_asrv_NetReductionInInterestIncome_3" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:label="asrv_NonperformingAssetIncludingTdrTable" xlink:title="asrv_NonperformingAssetIncludingTdrTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetIncludingTdrTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonperformingAssetIncludingTdrTable" xml:lang="en-US" id="label_asrv_NonperformingAssetIncludingTdrTable">Non-Performing Asset Including TBR [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetIncludingTdrTable" xlink:to="label_asrv_NonperformingAssetIncludingTdrTable" xlink:title="Label : asrv_NonperformingAssetIncludingTdrTable to label_asrv_NonperformingAssetIncludingTdrTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetIncludingTdrTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonperformingAssetIncludingTdrTable_1" xml:lang="en-US" id="label_asrv_NonperformingAssetIncludingTdrTable_1">Nonperforming Asset Including Tdr [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetIncludingTdrTable" xlink:to="label_asrv_NonperformingAssetIncludingTdrTable_1" xlink:title="Label : asrv_NonperformingAssetIncludingTdrTable to label_asrv_NonperformingAssetIncludingTdrTable_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetIncludingTdrTable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_NonperformingAssetIncludingTdrTable_2" xml:lang="en-US" id="label_asrv_NonperformingAssetIncludingTdrTable_2">Nonperforming Asset Including TDR [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetIncludingTdrTable" xlink:to="label_asrv_NonperformingAssetIncludingTdrTable_2" xlink:title="Label : asrv_NonperformingAssetIncludingTdrTable to label_asrv_NonperformingAssetIncludingTdrTable_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:label="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:title="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xml:lang="en-US" id="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract">Non performing assets due to loan inclusion of restructuring.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:to="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:title="Label : asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract to label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_1" xml:lang="en-US" id="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_1">Non Performing Assets Due to Loan Inclusion of Restructuring [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:to="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_1" xlink:title="Label : asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract to label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_2" xml:lang="en-US" id="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_2">Non-performing assets including TDR</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:to="label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_2" xlink:title="Label : asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract to label_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:label="asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:title="asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract">Non performing assets including trouble debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:to="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract to label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract_1" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract_1">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:to="label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract_1" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract to label_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:label="us-gaap_AccountsReceivableFairValueDisclosure" xlink:title="us-gaap_AccountsReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsReceivableFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_AccountsReceivableFairValueDisclosure">Accounts Receivable, Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableFairValueDisclosure" xlink:to="label_us-gaap_AccountsReceivableFairValueDisclosure" xlink:title="Label : us-gaap_AccountsReceivableFairValueDisclosure to label_us-gaap_AccountsReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_AccountsReceivableFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_AccountsReceivableFairValueDisclosure_1">Accrued income receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableFairValueDisclosure" xlink:to="label_us-gaap_AccountsReceivableFairValueDisclosure_1" xlink:title="Label : us-gaap_AccountsReceivableFairValueDisclosure to label_us-gaap_AccountsReceivableFairValueDisclosure_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:label="asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:title="asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems">Non-performing assets including trouble debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:to="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems to label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems_1" xml:lang="en-US" id="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems_1">Nonperforming Assets Including Trouble Debt Restructurings [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:to="label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems_1" xlink:title="Label : asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems to label_asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:label="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:title="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xml:lang="en-US" id="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor">Number of consecutive historical quarters for calculation of charge-off factor.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:to="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:title="Label : asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor to label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_1" xml:lang="en-US" id="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_1">Number of Consecutive Historical Quarters for Calculation of Charge Off Factor</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:to="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_1" xlink:title="Label : asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor to label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_2" xml:lang="en-US" id="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_2">Number of consecutive historical quarters for calculation of charge-off factor</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:to="label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_2" xlink:title="Label : asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor to label_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:label="asrv_OtherBankOwnedLifeInsuranceIncome" xlink:title="asrv_OtherBankOwnedLifeInsuranceIncome" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherBankOwnedLifeInsuranceIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_OtherBankOwnedLifeInsuranceIncome" xml:lang="en-US" id="label_asrv_OtherBankOwnedLifeInsuranceIncome">Life insurance income not elsewhere specified in the taxonomy earned during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherBankOwnedLifeInsuranceIncome" xlink:to="label_asrv_OtherBankOwnedLifeInsuranceIncome" xlink:title="Label : asrv_OtherBankOwnedLifeInsuranceIncome to label_asrv_OtherBankOwnedLifeInsuranceIncome" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherBankOwnedLifeInsuranceIncome_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_OtherBankOwnedLifeInsuranceIncome_1" xml:lang="en-US" id="label_asrv_OtherBankOwnedLifeInsuranceIncome_1">Other Bank Owned Life Insurance Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherBankOwnedLifeInsuranceIncome" xlink:to="label_asrv_OtherBankOwnedLifeInsuranceIncome_1" xlink:title="Label : asrv_OtherBankOwnedLifeInsuranceIncome to label_asrv_OtherBankOwnedLifeInsuranceIncome_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_OtherBankOwnedLifeInsuranceIncome_2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_asrv_OtherBankOwnedLifeInsuranceIncome_2" xml:lang="en-US" id="label_asrv_OtherBankOwnedLifeInsuranceIncome_2">Earnings on bank-owned life insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_OtherBankOwnedLifeInsuranceIncome" xlink:to="label_asrv_OtherBankOwnedLifeInsuranceIncome_2" xlink:title="Label : asrv_OtherBankOwnedLifeInsuranceIncome to label_asrv_OtherBankOwnedLifeInsuranceIncome_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:label="asrv_PaymentsToAcquireRegulatoryStock" xlink:title="asrv_PaymentsToAcquireRegulatoryStock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PaymentsToAcquireRegulatoryStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PaymentsToAcquireRegulatoryStock" xml:lang="en-US" id="label_asrv_PaymentsToAcquireRegulatoryStock">Cash outflow for the purchase of regulatory stock during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PaymentsToAcquireRegulatoryStock" xlink:to="label_asrv_PaymentsToAcquireRegulatoryStock" xlink:title="Label : asrv_PaymentsToAcquireRegulatoryStock to label_asrv_PaymentsToAcquireRegulatoryStock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PaymentsToAcquireRegulatoryStock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PaymentsToAcquireRegulatoryStock_1" xml:lang="en-US" id="label_asrv_PaymentsToAcquireRegulatoryStock_1">Payments To Acquire Regulatory Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PaymentsToAcquireRegulatoryStock" xlink:to="label_asrv_PaymentsToAcquireRegulatoryStock_1" xlink:title="Label : asrv_PaymentsToAcquireRegulatoryStock to label_asrv_PaymentsToAcquireRegulatoryStock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PaymentsToAcquireRegulatoryStock_2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_asrv_PaymentsToAcquireRegulatoryStock_2" xml:lang="en-US" id="label_asrv_PaymentsToAcquireRegulatoryStock_2">Purchase of regulatory stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PaymentsToAcquireRegulatoryStock" xlink:to="label_asrv_PaymentsToAcquireRegulatoryStock_2" xlink:title="Label : asrv_PaymentsToAcquireRegulatoryStock to label_asrv_PaymentsToAcquireRegulatoryStock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:label="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:title="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xml:lang="en-US" id="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated">Percentage of investment securities portfolio rated.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:to="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:title="Label : asrv_PercentageOfInvestmentSecuritiesPortfolioRated to label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_1" xml:lang="en-US" id="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_1">Percentage of Investment Securities Portfolio Rated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:to="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_1" xlink:title="Label : asrv_PercentageOfInvestmentSecuritiesPortfolioRated to label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_2" xml:lang="en-US" id="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_2">Portfolio rated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:to="label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_2" xlink:title="Label : asrv_PercentageOfInvestmentSecuritiesPortfolioRated to label_asrv_PercentageOfInvestmentSecuritiesPortfolioRated_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PerCommonShareDataAbstract" xlink:label="asrv_PerCommonShareDataAbstract" xlink:title="asrv_PerCommonShareDataAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PerCommonShareDataAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PerCommonShareDataAbstract" xml:lang="en-US" id="label_asrv_PerCommonShareDataAbstract">Per common share data.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PerCommonShareDataAbstract" xlink:to="label_asrv_PerCommonShareDataAbstract" xlink:title="Label : asrv_PerCommonShareDataAbstract to label_asrv_PerCommonShareDataAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PerCommonShareDataAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PerCommonShareDataAbstract_1" xml:lang="en-US" id="label_asrv_PerCommonShareDataAbstract_1">Per Common Share Data [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PerCommonShareDataAbstract" xlink:to="label_asrv_PerCommonShareDataAbstract_1" xlink:title="Label : asrv_PerCommonShareDataAbstract to label_asrv_PerCommonShareDataAbstract_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PerCommonShareDataAbstract_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_PerCommonShareDataAbstract_2" xml:lang="en-US" id="label_asrv_PerCommonShareDataAbstract_2">PER COMMON SHARE DATA:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PerCommonShareDataAbstract" xlink:to="label_asrv_PerCommonShareDataAbstract_2" xlink:title="Label : asrv_PerCommonShareDataAbstract to label_asrv_PerCommonShareDataAbstract_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PreferredStockLineItems" xlink:label="asrv_PreferredStockLineItems" xlink:title="asrv_PreferredStockLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PreferredStockLineItems" xml:lang="en-US" id="label_asrv_PreferredStockLineItems">Preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockLineItems" xlink:to="label_asrv_PreferredStockLineItems" xlink:title="Label : asrv_PreferredStockLineItems to label_asrv_PreferredStockLineItems" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PreferredStockLineItems_1" xml:lang="en-US" id="label_asrv_PreferredStockLineItems_1">Preferred Stock [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockLineItems" xlink:to="label_asrv_PreferredStockLineItems_1" xlink:title="Label : asrv_PreferredStockLineItems to label_asrv_PreferredStockLineItems_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_PreferredStockTable" xlink:label="asrv_PreferredStockTable" xlink:title="asrv_PreferredStockTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_PreferredStockTable" xml:lang="en-US" id="label_asrv_PreferredStockTable">Preferred stock table.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockTable" xlink:to="label_asrv_PreferredStockTable" xlink:title="Label : asrv_PreferredStockTable to label_asrv_PreferredStockTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_PreferredStockTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_PreferredStockTable_1" xml:lang="en-US" id="label_asrv_PreferredStockTable_1">Preferred Stock [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_PreferredStockTable" xlink:to="label_asrv_PreferredStockTable_1" xlink:title="Label : asrv_PreferredStockTable to label_asrv_PreferredStockTable_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RangeTwoMember" xlink:label="asrv_RangeTwoMember" xlink:title="asrv_RangeTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RangeTwoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RangeTwoMember" xml:lang="en-US" id="label_asrv_RangeTwoMember">Range Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RangeTwoMember" xlink:to="label_asrv_RangeTwoMember" xlink:title="Label : asrv_RangeTwoMember to label_asrv_RangeTwoMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RangeTwoMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RangeTwoMember_1" xml:lang="en-US" id="label_asrv_RangeTwoMember_1">Range Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RangeTwoMember" xlink:to="label_asrv_RangeTwoMember_1" xlink:title="Label : asrv_RangeTwoMember to label_asrv_RangeTwoMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RealEstateConstructionLoansPercentage" xlink:label="asrv_RealEstateConstructionLoansPercentage" xlink:title="asrv_RealEstateConstructionLoansPercentage" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RealEstateConstructionLoansPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RealEstateConstructionLoansPercentage" xml:lang="en-US" id="label_asrv_RealEstateConstructionLoansPercentage">Real estate-construction loans, percentage.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RealEstateConstructionLoansPercentage" xlink:to="label_asrv_RealEstateConstructionLoansPercentage" xlink:title="Label : asrv_RealEstateConstructionLoansPercentage to label_asrv_RealEstateConstructionLoansPercentage" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RealEstateConstructionLoansPercentage_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RealEstateConstructionLoansPercentage_1" xml:lang="en-US" id="label_asrv_RealEstateConstructionLoansPercentage_1">Real Estate Construction Loans, Percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RealEstateConstructionLoansPercentage" xlink:to="label_asrv_RealEstateConstructionLoansPercentage_1" xlink:title="Label : asrv_RealEstateConstructionLoansPercentage to label_asrv_RealEstateConstructionLoansPercentage_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RealEstateConstructionLoansPercentage_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_RealEstateConstructionLoansPercentage_2" xml:lang="en-US" id="label_asrv_RealEstateConstructionLoansPercentage_2">Real estate-construction loans, percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RealEstateConstructionLoansPercentage" xlink:to="label_asrv_RealEstateConstructionLoansPercentage_2" xlink:title="Label : asrv_RealEstateConstructionLoansPercentage to label_asrv_RealEstateConstructionLoansPercentage_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:label="asrv_RecordedInvestmentOfDefaults" xlink:title="asrv_RecordedInvestmentOfDefaults" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RecordedInvestmentOfDefaults" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RecordedInvestmentOfDefaults" xml:lang="en-US" id="label_asrv_RecordedInvestmentOfDefaults">Recorded investment of defaults.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RecordedInvestmentOfDefaults" xlink:to="label_asrv_RecordedInvestmentOfDefaults" xlink:title="Label : asrv_RecordedInvestmentOfDefaults to label_asrv_RecordedInvestmentOfDefaults" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RecordedInvestmentOfDefaults_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RecordedInvestmentOfDefaults_1" xml:lang="en-US" id="label_asrv_RecordedInvestmentOfDefaults_1">Recorded Investment of Defaults</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RecordedInvestmentOfDefaults" xlink:to="label_asrv_RecordedInvestmentOfDefaults_1" xlink:title="Label : asrv_RecordedInvestmentOfDefaults to label_asrv_RecordedInvestmentOfDefaults_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RecordedInvestmentOfDefaults_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_RecordedInvestmentOfDefaults_2" xml:lang="en-US" id="label_asrv_RecordedInvestmentOfDefaults_2">Recorded investment of defaults</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RecordedInvestmentOfDefaults" xlink:to="label_asrv_RecordedInvestmentOfDefaults_2" xlink:title="Label : asrv_RecordedInvestmentOfDefaults to label_asrv_RecordedInvestmentOfDefaults_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_Redemption" xlink:label="asrv_Redemption" xlink:title="asrv_Redemption" />
    <link:label xlink:type="resource" xlink:label="label_asrv_Redemption" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_Redemption" xml:lang="en-US" id="label_asrv_Redemption">Redemption.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_Redemption" xlink:to="label_asrv_Redemption" xlink:title="Label : asrv_Redemption to label_asrv_Redemption" />
    <link:label xlink:type="resource" xlink:label="label_asrv_Redemption_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_Redemption_1" xml:lang="en-US" id="label_asrv_Redemption_1">Redemption</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_Redemption" xlink:to="label_asrv_Redemption_1" xlink:title="Label : asrv_Redemption to label_asrv_Redemption_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_Redemption_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_Redemption_2" xml:lang="en-US" id="label_asrv_Redemption_2">Redemption</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_Redemption" xlink:to="label_asrv_Redemption_2" xlink:title="Label : asrv_Redemption to label_asrv_Redemption_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RegulatoryCapitalTable" xlink:label="asrv_RegulatoryCapitalTable" xlink:title="asrv_RegulatoryCapitalTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RegulatoryCapitalTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RegulatoryCapitalTable" xml:lang="en-US" id="label_asrv_RegulatoryCapitalTable">Regulatory capital table.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RegulatoryCapitalTable" xlink:to="label_asrv_RegulatoryCapitalTable" xlink:title="Label : asrv_RegulatoryCapitalTable to label_asrv_RegulatoryCapitalTable" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RegulatoryCapitalTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RegulatoryCapitalTable_1" xml:lang="en-US" id="label_asrv_RegulatoryCapitalTable_1">Regulatory Capital [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RegulatoryCapitalTable" xlink:to="label_asrv_RegulatoryCapitalTable_1" xlink:title="Label : asrv_RegulatoryCapitalTable to label_asrv_RegulatoryCapitalTable_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:label="asrv_RepurchaseOfWarrantsShares" xlink:title="asrv_RepurchaseOfWarrantsShares" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RepurchaseOfWarrantsShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_RepurchaseOfWarrantsShares" xml:lang="en-US" id="label_asrv_RepurchaseOfWarrantsShares">Repurchase Of Warrants, Shares.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RepurchaseOfWarrantsShares" xlink:to="label_asrv_RepurchaseOfWarrantsShares" xlink:title="Label : asrv_RepurchaseOfWarrantsShares to label_asrv_RepurchaseOfWarrantsShares" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RepurchaseOfWarrantsShares_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_RepurchaseOfWarrantsShares_1" xml:lang="en-US" id="label_asrv_RepurchaseOfWarrantsShares_1">Repurchase Of Warrants Shares</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RepurchaseOfWarrantsShares" xlink:to="label_asrv_RepurchaseOfWarrantsShares_1" xlink:title="Label : asrv_RepurchaseOfWarrantsShares to label_asrv_RepurchaseOfWarrantsShares_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_RepurchaseOfWarrantsShares_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_RepurchaseOfWarrantsShares_2" xml:lang="en-US" id="label_asrv_RepurchaseOfWarrantsShares_2">Warrants repurchased, shares</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_RepurchaseOfWarrantsShares" xlink:to="label_asrv_RepurchaseOfWarrantsShares_2" xlink:title="Label : asrv_RepurchaseOfWarrantsShares to label_asrv_RepurchaseOfWarrantsShares_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:label="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:title="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:to="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:title="Label : asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock to label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_1">Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:to="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock to label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_2">Average Recorded Investment in Impaired Loans and Related Interest Income Recognized</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:to="label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock to label_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:label="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:title="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock">Schedule Of Deposit Liabilities [Table Text Block].</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:to="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:title="Label : asrv_ScheduleOfDepositLiabilitiesTableTextBlock to label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_1">Schedule Of Deposit Liabilities [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:to="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfDepositLiabilitiesTableTextBlock to label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_2">Schedule of Balances of Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:to="label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfDepositLiabilitiesTableTextBlock to label_asrv_ScheduleOfDepositLiabilitiesTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:label="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:title="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock">Schedule of financing receivable performing and nonperforming.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:to="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:title="Label : asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock to label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_1">Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:to="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock to label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_2">Performing and Non-performing Outstanding Balances</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:to="label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock to label_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:label="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:title="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock">Schedule of Maturities of Time Deposits of $100,000 or More [Table Text Block].</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_1">Schedule Of Maturities Of Time Deposits Of One Hundred Thousand Or More [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_2">Schedule of Maturities of Deposits of $100,000 or More</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:label="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:title="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock">Schedule Of Maturities Of Time Deposits [Table Text Block].</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_1">Schedule Of Maturities Of Time Deposits [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_2">Schedule of Balances of Deposits of $100,000 or More</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to label_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:label="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:title="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xml:lang="en-US" id="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock">Schedule of primary segments of the loan portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:to="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:title="Label : asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock to label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_1" xml:lang="en-US" id="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_1">Schedule of Primary Segments of Loan Portfolio [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:to="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_1" xlink:title="Label : asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock to label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_2" xml:lang="en-US" id="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_2">Summary of Primary Segments of Loan Portfolio</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:to="label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_2" xlink:title="Label : asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock to label_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:label="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:title="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xml:lang="en-US" id="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:to="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:title="Label : asrv_ShortTermDebtExcludingFederalFundsPurchasedMember to label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_1" xml:lang="en-US" id="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_1">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:to="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_1" xlink:title="Label : asrv_ShortTermDebtExcludingFederalFundsPurchasedMember to label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_2" xml:lang="en-US" id="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_2">Short-Term Borrowings [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:to="label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_2" xlink:title="Label : asrv_ShortTermDebtExcludingFederalFundsPurchasedMember to label_asrv_ShortTermDebtExcludingFederalFundsPurchasedMember_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:label="asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:title="asrv_ShortTermDebtInstrumentWeightedAverageTerm" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm" xml:lang="en-US" id="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm">Debt Instrument, Weighted Average Term.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:to="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:title="Label : asrv_ShortTermDebtInstrumentWeightedAverageTerm to label_asrv_ShortTermDebtInstrumentWeightedAverageTerm" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_1" xml:lang="en-US" id="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_1">Short Term Debt Instrument Weighted Average Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:to="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_1" xlink:title="Label : asrv_ShortTermDebtInstrumentWeightedAverageTerm to label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_2" xml:lang="en-US" id="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_2">Average maturity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:to="label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_2" xlink:title="Label : asrv_ShortTermDebtInstrumentWeightedAverageTerm to label_asrv_ShortTermDebtInstrumentWeightedAverageTerm_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:label="asrv_SubPrimeMortgageLoansExposure" xlink:title="asrv_SubPrimeMortgageLoansExposure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SubPrimeMortgageLoansExposure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_SubPrimeMortgageLoansExposure" xml:lang="en-US" id="label_asrv_SubPrimeMortgageLoansExposure">Sub prime mortgage loans exposure.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SubPrimeMortgageLoansExposure" xlink:to="label_asrv_SubPrimeMortgageLoansExposure" xlink:title="Label : asrv_SubPrimeMortgageLoansExposure to label_asrv_SubPrimeMortgageLoansExposure" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SubPrimeMortgageLoansExposure_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_SubPrimeMortgageLoansExposure_1" xml:lang="en-US" id="label_asrv_SubPrimeMortgageLoansExposure_1">Sub Prime Mortgage Loans Exposure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SubPrimeMortgageLoansExposure" xlink:to="label_asrv_SubPrimeMortgageLoansExposure_1" xlink:title="Label : asrv_SubPrimeMortgageLoansExposure to label_asrv_SubPrimeMortgageLoansExposure_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SubPrimeMortgageLoansExposure_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_SubPrimeMortgageLoansExposure_2" xml:lang="en-US" id="label_asrv_SubPrimeMortgageLoansExposure_2">Exposure to sub prime mortgage loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SubPrimeMortgageLoansExposure" xlink:to="label_asrv_SubPrimeMortgageLoansExposure_2" xlink:title="Label : asrv_SubPrimeMortgageLoansExposure to label_asrv_SubPrimeMortgageLoansExposure_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:label="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:title="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:to="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:title="Label : asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus to label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_1" xml:lang="en-US" id="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_1">Timely Payments on Contract Terms for Minimum Consecutive Months Prior to Consideration for Removing Loan from TDR Status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:to="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_1" xlink:title="Label : asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus to label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_2" xml:lang="en-US" id="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_2">Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:to="label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_2" xlink:title="Label : asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus to label_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:label="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:title="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xml:lang="en-US" id="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract">Trouble debt restructuring for non performing assets granted.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:to="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:title="Label : asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract to label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_1" xml:lang="en-US" id="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_1">Trouble Debt Restructuring for Non Performing Assets Granted [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:to="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_1" xlink:title="Label : asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract to label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_2" xml:lang="en-US" id="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_2">Schedule of TDRs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:to="label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_2" xlink:title="Label : asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract to label_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_WarrantRepurchase" xlink:label="asrv_WarrantRepurchase" xlink:title="asrv_WarrantRepurchase" />
    <link:label xlink:type="resource" xlink:label="label_asrv_WarrantRepurchase" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_WarrantRepurchase" xml:lang="en-US" id="label_asrv_WarrantRepurchase">Warrant Repurchase.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_WarrantRepurchase" xlink:to="label_asrv_WarrantRepurchase" xlink:title="Label : asrv_WarrantRepurchase to label_asrv_WarrantRepurchase" />
    <link:label xlink:type="resource" xlink:label="label_asrv_WarrantRepurchase_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_WarrantRepurchase_1" xml:lang="en-US" id="label_asrv_WarrantRepurchase_1">Warrant Repurchase</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_WarrantRepurchase" xlink:to="label_asrv_WarrantRepurchase_1" xlink:title="Label : asrv_WarrantRepurchase to label_asrv_WarrantRepurchase_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_WarrantRepurchase_2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_asrv_WarrantRepurchase_2" xml:lang="en-US" id="label_asrv_WarrantRepurchase_2">TARP warrant repurchase (1,312,500 shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_WarrantRepurchase" xlink:to="label_asrv_WarrantRepurchase_2" xlink:title="Label : asrv_WarrantRepurchase to label_asrv_WarrantRepurchase_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:label="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:title="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xml:lang="en-US" id="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract">Accounts Receivable Additional Disclosures [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:to="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:title="Label : us-gaap_AccountsReceivableAdditionalDisclosuresAbstract to label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_1" xml:lang="en-US" id="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_1">Schedule of Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:to="label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_1" xlink:title="Label : us-gaap_AccountsReceivableAdditionalDisclosuresAbstract to label_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:label="asrv_WestChesterCapitalAdvisorsMember" xlink:title="asrv_WestChesterCapitalAdvisorsMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_WestChesterCapitalAdvisorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_WestChesterCapitalAdvisorsMember" xml:lang="en-US" id="label_asrv_WestChesterCapitalAdvisorsMember">West Chester Capital Advisors [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_WestChesterCapitalAdvisorsMember" xlink:to="label_asrv_WestChesterCapitalAdvisorsMember" xlink:title="Label : asrv_WestChesterCapitalAdvisorsMember to label_asrv_WestChesterCapitalAdvisorsMember" />
    <link:label xlink:type="resource" xlink:label="label_asrv_WestChesterCapitalAdvisorsMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_WestChesterCapitalAdvisorsMember_1" xml:lang="en-US" id="label_asrv_WestChesterCapitalAdvisorsMember_1">West Chester Capital Advisors [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_WestChesterCapitalAdvisorsMember" xlink:to="label_asrv_WestChesterCapitalAdvisorsMember_1" xlink:title="Label : asrv_WestChesterCapitalAdvisorsMember to label_asrv_WestChesterCapitalAdvisorsMember_1" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:label="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains">This item represents the excess of amortized cost basis over fair value of securities in a gain position and which are categorized as held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:to="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:title="Label : asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains to label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_1">Held to Maturity Securities Accumulated Unrecognized Holding Gains</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:to="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains to label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_1" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_2" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_2">Investment securities held to maturity, Gross Unrealized Gains</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" xlink:to="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_2" xlink:title="Label : asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains to label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains_2" />
    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:label="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses">This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:to="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:title="Label : asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses to label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" />
    <link:label xlink:type="resource" xlink:label="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses_1" xml:lang="en-US" id="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses_1">Held To Maturity Securities Accumulated Unrecognized Holding Losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" xlink:to="label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses_1" xlink:title="Label : asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses to label_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses_1" />
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    <link:loc xlink:type="locator" xlink:href="asrv-20141231.xsd#asrv_SpecialTerminationBenefitLiability" xlink:label="asrv_SpecialTerminationBenefitLiability" xlink:title="asrv_SpecialTerminationBenefitLiability" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SpecialTerminationBenefitLiability" xlink:to="label_asrv_SpecialTerminationBenefitLiability" xlink:title="Label : asrv_SpecialTerminationBenefitLiability to label_asrv_SpecialTerminationBenefitLiability" />
    <link:label xlink:type="resource" xlink:label="label_asrv_SpecialTerminationBenefitLiability_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_asrv_SpecialTerminationBenefitLiability_1" xml:lang="en-US" id="label_asrv_SpecialTerminationBenefitLiability_1">Special Termination Benefit Liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SpecialTerminationBenefitLiability" xlink:to="label_asrv_SpecialTerminationBenefitLiability_1" xlink:title="Label : asrv_SpecialTerminationBenefitLiability to label_asrv_SpecialTerminationBenefitLiability_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="asrv_SpecialTerminationBenefitLiability" xlink:to="label_asrv_SpecialTerminationBenefitLiability_2" xlink:title="Label : asrv_SpecialTerminationBenefitLiability to label_asrv_SpecialTerminationBenefitLiability_2" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:title="us-gaap_AccountsNotesAndLoansReceivableLineItems" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="label_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:title="Label : us-gaap_AccountsNotesAndLoansReceivableLineItems to label_us-gaap_AccountsNotesAndLoansReceivableLineItems" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="us-gaap_AccountsReceivableNetAbstract" xlink:title="us-gaap_AccountsReceivableNetAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsReceivableNetAbstract" xml:lang="en-US" id="label_us-gaap_AccountsReceivableNetAbstract">LOANS [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableNetAbstract" xlink:to="label_us-gaap_AccountsReceivableNetAbstract" xlink:title="Label : us-gaap_AccountsReceivableNetAbstract to label_us-gaap_AccountsReceivableNetAbstract" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:title="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedInvestmentIncomeReceivable" xlink:to="label_us-gaap_AccruedInvestmentIncomeReceivable_1" xlink:title="Label : us-gaap_AccruedInvestmentIncomeReceivable to label_us-gaap_AccruedInvestmentIncomeReceivable_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedInvestmentIncomeReceivable" xlink:to="label_us-gaap_AccruedInvestmentIncomeReceivable_2" xlink:title="Label : us-gaap_AccruedInvestmentIncomeReceivable to label_us-gaap_AccruedInvestmentIncomeReceivable_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:title="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:title="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="us-gaap_ClassOfStockDomain" xlink:title="us-gaap_ClassOfStockDomain" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommercialLoanMember" xlink:label="us-gaap_CommercialLoanMember" xlink:title="us-gaap_CommercialLoanMember" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommercialLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommercialLoanMember" xml:lang="en-US" id="label_us-gaap_CommercialLoanMember">Commercial Loan [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommercialLoanMember_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_CommercialLoanMember_1" xml:lang="en-US" id="label_us-gaap_CommercialLoanMember_1">Commercial [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialLoanMember" xlink:to="label_us-gaap_CommercialLoanMember_1" xlink:title="Label : us-gaap_CommercialLoanMember to label_us-gaap_CommercialLoanMember_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommercialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommercialPortfolioSegmentMember" xml:lang="en-US" id="label_us-gaap_CommercialPortfolioSegmentMember">Commercial [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialPortfolioSegmentMember" xlink:to="label_us-gaap_CommercialPortfolioSegmentMember" xlink:title="Label : us-gaap_CommercialPortfolioSegmentMember to label_us-gaap_CommercialPortfolioSegmentMember" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:label="us-gaap_CommercialRealEstateMember" xlink:title="us-gaap_CommercialRealEstateMember" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommercialRealEstateMember" xml:lang="en-US" id="label_us-gaap_CommercialRealEstateMember">Commercial Real Estate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialRealEstateMember" xlink:to="label_us-gaap_CommercialRealEstateMember" xlink:title="Label : us-gaap_CommercialRealEstateMember to label_us-gaap_CommercialRealEstateMember" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommercialRealEstateMember_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_CommercialRealEstateMember_1" xml:lang="en-US" id="label_us-gaap_CommercialRealEstateMember_1">Commercial loans secured by real estate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialRealEstateMember" xlink:to="label_us-gaap_CommercialRealEstateMember_1" xlink:title="Label : us-gaap_CommercialRealEstateMember to label_us-gaap_CommercialRealEstateMember_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockMember" xml:lang="en-US" id="label_us-gaap_CommonStockMember">Common Stock [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DebtSecuritiesMember" xml:lang="en-US" id="label_us-gaap_DebtSecuritiesMember">Fixed Income Securities [Member]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentMaturityDate" xlink:to="label_us-gaap_DebtInstrumentMaturityDate_1" xlink:title="Label : us-gaap_DebtInstrumentMaturityDate to label_us-gaap_DebtInstrumentMaturityDate_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCurtailments" xlink:to="label_us-gaap_DefinedBenefitPlanCurtailments" xlink:title="Label : us-gaap_DefinedBenefitPlanCurtailments to label_us-gaap_DefinedBenefitPlanCurtailments" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCurtailments" xlink:to="label_us-gaap_DefinedBenefitPlanCurtailments_1" xlink:title="Label : us-gaap_DefinedBenefitPlanCurtailments to label_us-gaap_DefinedBenefitPlanCurtailments_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanCurtailments_2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_us-gaap_DefinedBenefitPlanCurtailments_2" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanCurtailments_2">Curtailments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCurtailments" xlink:to="label_us-gaap_DefinedBenefitPlanCurtailments_2" xlink:title="Label : us-gaap_DefinedBenefitPlanCurtailments to label_us-gaap_DefinedBenefitPlanCurtailments_2" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:to="label_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:title="Label : us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward to label_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:to="label_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:title="Label : us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract to label_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:to="label_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract_1" xlink:title="Label : us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract to label_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="us-gaap_DefinedBenefitPlanInterestCost" xlink:title="us-gaap_DefinedBenefitPlanInterestCost" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanInterestCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DefinedBenefitPlanInterestCost" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanInterestCost">Defined Benefit Plan, Interest Cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanInterestCost" xlink:to="label_us-gaap_DefinedBenefitPlanInterestCost" xlink:title="Label : us-gaap_DefinedBenefitPlanInterestCost to label_us-gaap_DefinedBenefitPlanInterestCost" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanInterestCost_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_DefinedBenefitPlanInterestCost_1" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanInterestCost_1">Interest cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanInterestCost" xlink:to="label_us-gaap_DefinedBenefitPlanInterestCost_1" xlink:title="Label : us-gaap_DefinedBenefitPlanInterestCost to label_us-gaap_DefinedBenefitPlanInterestCost_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">Defined Benefit Plan, Fair Value of Plan Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:title="Label : us-gaap_DefinedBenefitPlanFairValueOfPlanAssets to label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_1" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_1">Fair value of plan assets at end of year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_1" xlink:title="Label : us-gaap_DefinedBenefitPlanFairValueOfPlanAssets to label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_2" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_2">Fair value of plan assets at beginning of year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_2" xlink:title="Label : us-gaap_DefinedBenefitPlanFairValueOfPlanAssets to label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_2" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_3" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_3">Fair value of plan assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_3" xlink:title="Label : us-gaap_DefinedBenefitPlanFairValueOfPlanAssets to label_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_3" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:label="us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:title="us-gaap_DefinedBenefitPlanContributionsByEmployer" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DefinedBenefitPlanContributionsByEmployer" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanContributionsByEmployer">Defined Benefit Plan, Contributions by Employer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:to="label_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:title="Label : us-gaap_DefinedBenefitPlanContributionsByEmployer to label_us-gaap_DefinedBenefitPlanContributionsByEmployer" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanContributionsByEmployer_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_DefinedBenefitPlanContributionsByEmployer_1" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanContributionsByEmployer_1">Employer contributions</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:to="label_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:title="Label : us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract to label_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:to="label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:title="Label : us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets to label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_1" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_1" xml:lang="en-US" id="label_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_1">Expected return on plan assets</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_DefinedContributionPlanCostRecognized_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_DefinedContributionPlanCostRecognized_1" xml:lang="en-US" id="label_us-gaap_DefinedContributionPlanCostRecognized_1">Contributions to charged to operations</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:label="us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:title="us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DerivativeAssets" xml:lang="en-US" id="label_us-gaap_DerivativeAssets">Derivative Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeAssets" xlink:to="label_us-gaap_DerivativeAssets" xlink:title="Label : us-gaap_DerivativeAssets to label_us-gaap_DerivativeAssets" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DerivativeAssets_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_DerivativeAssets_1" xml:lang="en-US" id="label_us-gaap_DerivativeAssets_1">Fair value of swap asset</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DerivativeLiabilities" xml:lang="en-US" id="label_us-gaap_DerivativeLiabilities">Derivative Liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeLiabilities" xlink:to="label_us-gaap_DerivativeLiabilities" xlink:title="Label : us-gaap_DerivativeLiabilities to label_us-gaap_DerivativeLiabilities" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DerivativeLiabilities_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_DerivativeLiabilities_1" xml:lang="en-US" id="label_us-gaap_DerivativeLiabilities_1">Fair value of swap liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DerivativeLiabilities" xlink:to="label_us-gaap_DerivativeLiabilities_1" xlink:title="Label : us-gaap_DerivativeLiabilities to label_us-gaap_DerivativeLiabilities_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:title="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:label="us-gaap_DerivativeFixedInterestRate" xlink:title="us-gaap_DerivativeFixedInterestRate" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="us-gaap_DerivativeByNatureAxis" xlink:title="us-gaap_DerivativeByNatureAxis" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStockCash" xlink:to="label_us-gaap_DividendsPreferredStockCash" xlink:title="Label : us-gaap_DividendsPreferredStockCash to label_us-gaap_DividendsPreferredStockCash" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="us-gaap_DividendsCommonStockCash" xlink:title="us-gaap_DividendsCommonStockCash" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCommonStockCash" xlink:to="label_us-gaap_DividendsCommonStockCash_1" xlink:title="Label : us-gaap_DividendsCommonStockCash to label_us-gaap_DividendsCommonStockCash_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:label="us-gaap_DividendsPreferredStock" xlink:title="us-gaap_DividendsPreferredStock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DividendsPreferredStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_DividendsPreferredStock" xml:lang="en-US" id="label_us-gaap_DividendsPreferredStock">Dividends, Preferred Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStock" xlink:to="label_us-gaap_DividendsPreferredStock" xlink:title="Label : us-gaap_DividendsPreferredStock to label_us-gaap_DividendsPreferredStock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_DividendsPreferredStock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_DividendsPreferredStock_1" xml:lang="en-US" id="label_us-gaap_DividendsPreferredStock_1">Preferred stock dividends and accretion of preferred stock discount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStock" xlink:to="label_us-gaap_DividendsPreferredStock_1" xlink:title="Label : us-gaap_DividendsPreferredStock to label_us-gaap_DividendsPreferredStock_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsPreferredStock" xlink:to="label_us-gaap_DividendsPreferredStock_2" xlink:title="Label : us-gaap_DividendsPreferredStock to label_us-gaap_DividendsPreferredStock_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:label="us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:title="us-gaap_ExternalCreditRatingStandardPoorsMember" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:to="label_us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:title="Label : us-gaap_EarlyRepaymentOfSubordinatedDebt to label_us-gaap_EarlyRepaymentOfSubordinatedDebt" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="us-gaap_EarningsPerShareBasicAbstract" xlink:title="us-gaap_EarningsPerShareBasicAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareDilutedAbstract" xlink:to="label_us-gaap_EarningsPerShareDilutedAbstract" xlink:title="Label : us-gaap_EarningsPerShareDilutedAbstract to label_us-gaap_EarningsPerShareDilutedAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:label="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:title="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:label="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:title="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:to="label_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:title="Label : us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans to label_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_LoansReceivableCommercialRealEstateAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LoansReceivableCommercialRealEstateAbstract" xml:lang="en-US" id="label_us-gaap_LoansReceivableCommercialRealEstateAbstract">Loans Receivable, Gross, Commercial, Real Estate [Abstract]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableFairValueDisclosure" xlink:to="label_us-gaap_LoansReceivableFairValueDisclosure" xlink:title="Label : us-gaap_LoansReceivableFairValueDisclosure to label_us-gaap_LoansReceivableFairValueDisclosure" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableFairValueDisclosure" xlink:to="label_us-gaap_LoansReceivableFairValueDisclosure_1" xlink:title="Label : us-gaap_LoansReceivableFairValueDisclosure to label_us-gaap_LoansReceivableFairValueDisclosure_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:label="us-gaap_LongTermDebtAbstract" xlink:title="us-gaap_LongTermDebtAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_LongTermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LongTermDebtAbstract" xml:lang="en-US" id="label_us-gaap_LongTermDebtAbstract">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtAbstract" xlink:to="label_us-gaap_LongTermDebtAbstract" xlink:title="Label : us-gaap_LongTermDebtAbstract to label_us-gaap_LongTermDebtAbstract" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LongTermDebtTextBlock" xlink:label="us-gaap_LongTermDebtTextBlock" xlink:title="us-gaap_LongTermDebtTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_LongTermDebtTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LongTermDebtTextBlock" xml:lang="en-US" id="label_us-gaap_LongTermDebtTextBlock">Long-term Debt [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtTextBlock" xlink:to="label_us-gaap_LongTermDebtTextBlock" xlink:title="Label : us-gaap_LongTermDebtTextBlock to label_us-gaap_LongTermDebtTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_LongTermDebtTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LongTermDebtTextBlock_1" xml:lang="en-US" id="label_us-gaap_LongTermDebtTextBlock_1">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtTextBlock" xlink:to="label_us-gaap_LongTermDebtTextBlock_1" xlink:title="Label : us-gaap_LongTermDebtTextBlock to label_us-gaap_LongTermDebtTextBlock_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_LossContingenciesTable" xlink:label="us-gaap_LossContingenciesTable" xlink:title="us-gaap_LossContingenciesTable" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingenciesTable" xlink:to="label_us-gaap_LossContingenciesTable" xlink:title="Label : us-gaap_LossContingenciesTable to label_us-gaap_LossContingenciesTable" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingenciesLineItems" xlink:to="label_us-gaap_LossContingenciesLineItems" xlink:title="Label : us-gaap_LossContingenciesLineItems to label_us-gaap_LossContingenciesLineItems" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LossContingenciesByNatureOfContingencyAxis" xml:lang="en-US" id="label_us-gaap_LossContingenciesByNatureOfContingencyAxis">Loss Contingencies by Nature of Contingency [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:title="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:title="Label : us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock to label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1">RECENT ACCOUNTING STANDARDS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xlink:title="Label : us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock to label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="us-gaap_NoninterestBearingDepositLiabilities" xlink:title="us-gaap_NoninterestBearingDepositLiabilities" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilities" xlink:to="label_us-gaap_NoninterestBearingDepositLiabilities" xlink:title="Label : us-gaap_NoninterestBearingDepositLiabilities to label_us-gaap_NoninterestBearingDepositLiabilities" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestBearingDepositLiabilities_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_NoninterestBearingDepositLiabilities_1" xml:lang="en-US" id="label_us-gaap_NoninterestBearingDepositLiabilities_1">Non-interest bearing deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilities" xlink:to="label_us-gaap_NoninterestBearingDepositLiabilities_1" xlink:title="Label : us-gaap_NoninterestBearingDepositLiabilities to label_us-gaap_NoninterestBearingDepositLiabilities_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense" xlink:title="us-gaap_NoninterestExpense" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NoninterestExpense" xml:lang="en-US" id="label_us-gaap_NoninterestExpense">Noninterest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="label_us-gaap_NoninterestExpense" xlink:title="Label : us-gaap_NoninterestExpense to label_us-gaap_NoninterestExpense" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestExpense_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NoninterestExpense_1" xml:lang="en-US" id="label_us-gaap_NoninterestExpense_1">Non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="label_us-gaap_NoninterestExpense_1" xlink:title="Label : us-gaap_NoninterestExpense to label_us-gaap_NoninterestExpense_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestExpense_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NoninterestExpense_2" xml:lang="en-US" id="label_us-gaap_NoninterestExpense_2">Total Non-Interest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpense" xlink:to="label_us-gaap_NoninterestExpense_2" xlink:title="Label : us-gaap_NoninterestExpense to label_us-gaap_NoninterestExpense_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:title="us-gaap_NoninterestIncomeOtherOperatingIncome" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NoninterestIncomeOtherOperatingIncome" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeOtherOperatingIncome">Noninterest Income, Other Operating Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="label_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:title="Label : us-gaap_NoninterestIncomeOtherOperatingIncome to label_us-gaap_NoninterestIncomeOtherOperatingIncome" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncomeOtherOperatingIncome_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_NoninterestIncomeOtherOperatingIncome_1" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeOtherOperatingIncome_1">Other income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="label_us-gaap_NoninterestIncomeOtherOperatingIncome_1" xlink:title="Label : us-gaap_NoninterestIncomeOtherOperatingIncome to label_us-gaap_NoninterestIncomeOtherOperatingIncome_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome" xlink:title="us-gaap_NoninterestIncome" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NoninterestIncome" xml:lang="en-US" id="label_us-gaap_NoninterestIncome">Noninterest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="label_us-gaap_NoninterestIncome" xlink:title="Label : us-gaap_NoninterestIncome to label_us-gaap_NoninterestIncome" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncome_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NoninterestIncome_1" xml:lang="en-US" id="label_us-gaap_NoninterestIncome_1">Non-interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="label_us-gaap_NoninterestIncome_1" xlink:title="Label : us-gaap_NoninterestIncome to label_us-gaap_NoninterestIncome_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncome_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NoninterestIncome_2" xml:lang="en-US" id="label_us-gaap_NoninterestIncome_2">Total Non-Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="label_us-gaap_NoninterestIncome_2" xlink:title="Label : us-gaap_NoninterestIncome to label_us-gaap_NoninterestIncome_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="us-gaap_NoninterestIncomeAbstract" xlink:title="us-gaap_NoninterestIncomeAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NoninterestIncomeAbstract" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeAbstract">Noninterest Income [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="label_us-gaap_NoninterestIncomeAbstract" xlink:title="Label : us-gaap_NoninterestIncomeAbstract to label_us-gaap_NoninterestIncomeAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestIncomeAbstract_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_NoninterestIncomeAbstract_1" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeAbstract_1">NON-INTEREST INCOME</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDomesticDepositDemand" xlink:to="label_us-gaap_NoninterestBearingDomesticDepositDemand" xlink:title="Label : us-gaap_NoninterestBearingDomesticDepositDemand to label_us-gaap_NoninterestBearingDomesticDepositDemand" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestBearingDomesticDepositDemand_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NoninterestBearingDomesticDepositDemand_1" xml:lang="en-US" id="label_us-gaap_NoninterestBearingDomesticDepositDemand_1">Non-interest bearing</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NoninterestExpenseAbstract" xml:lang="en-US" id="label_us-gaap_NoninterestExpenseAbstract">Noninterest Expense [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="label_us-gaap_NoninterestExpenseAbstract" xlink:title="Label : us-gaap_NoninterestExpenseAbstract to label_us-gaap_NoninterestExpenseAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NoninterestExpenseAbstract_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_NoninterestExpenseAbstract_1" xml:lang="en-US" id="label_us-gaap_NoninterestExpenseAbstract_1">NON-INTEREST EXPENSE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="label_us-gaap_NoninterestExpenseAbstract_1" xlink:title="Label : us-gaap_NoninterestExpenseAbstract to label_us-gaap_NoninterestExpenseAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_NumberOfStores" xlink:label="us-gaap_NumberOfStores" xlink:title="us-gaap_NumberOfStores" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_NumberOfStores" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NumberOfStores" xml:lang="en-US" id="label_us-gaap_NumberOfStores">Number of Stores</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfStores" xlink:to="label_us-gaap_NumberOfStores_1" xlink:title="Label : us-gaap_NumberOfStores to label_us-gaap_NumberOfStores_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OccupancyNet" xlink:to="label_us-gaap_OccupancyNet_1" xlink:title="Label : us-gaap_OccupancyNet to label_us-gaap_OccupancyNet_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract">Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1">FUTURE MINIMUM LEASE PAYMENTS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears">Operating Leases, Future Minimum Payments, Due in Four Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">Operating Leases, Future Minimum Payments, Due in Three Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="us-gaap_OperatingLeasesRentExpenseNet" xlink:title="us-gaap_OperatingLeasesRentExpenseNet" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesRentExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesRentExpenseNet" xml:lang="en-US" id="label_us-gaap_OperatingLeasesRentExpenseNet">Operating Leases, Rent Expense, Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesRentExpenseNet" xlink:to="label_us-gaap_OperatingLeasesRentExpenseNet" xlink:title="Label : us-gaap_OperatingLeasesRentExpenseNet to label_us-gaap_OperatingLeasesRentExpenseNet" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesRentExpenseNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesRentExpenseNet_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesRentExpenseNet_1">Rent expense included in total non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesRentExpenseNet" xlink:to="label_us-gaap_OperatingLeasesRentExpenseNet_1" xlink:title="Label : us-gaap_OperatingLeasesRentExpenseNet to label_us-gaap_OperatingLeasesRentExpenseNet_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1">2016</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:label="us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:title="us-gaap_OperatingLossCarryforwardsExpirationDate" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLossCarryforwardsExpirationDate" xml:lang="en-US" id="label_us-gaap_OperatingLossCarryforwardsExpirationDate">Operating Loss Carryforwards, Expiration Date</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLossCarryforwardsExpirationDate_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLossCarryforwardsExpirationDate_1" xml:lang="en-US" id="label_us-gaap_OperatingLossCarryforwardsExpirationDate_1">Net operating loss carryforwards, expiration date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:to="label_us-gaap_OperatingLossCarryforwardsExpirationDate_1" xlink:title="Label : us-gaap_OperatingLossCarryforwardsExpirationDate to label_us-gaap_OperatingLossCarryforwardsExpirationDate_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter">Operating Leases, Future Minimum Payments, Due Thereafter</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_1">2020 and thereafter</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent">Operating Leases, Future Minimum Payments Due, Next Twelve Months</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1">2015</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:title="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionPlansDefinedBenefitMember" xlink:to="label_us-gaap_PensionPlansDefinedBenefitMember" xlink:title="Label : us-gaap_PensionPlansDefinedBenefitMember to label_us-gaap_PensionPlansDefinedBenefitMember" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PensionPlansDefinedBenefitMember" xlink:to="label_us-gaap_PensionPlansDefinedBenefitMember_1" xlink:title="Label : us-gaap_PensionPlansDefinedBenefitMember to label_us-gaap_PensionPlansDefinedBenefitMember_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockLiquidationPreference" xml:lang="en-US" id="label_us-gaap_PreferredStockLiquidationPreference">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockLiquidationPreference" xlink:to="label_us-gaap_PreferredStockLiquidationPreference" xlink:title="Label : us-gaap_PreferredStockLiquidationPreference to label_us-gaap_PreferredStockLiquidationPreference" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockLiquidationPreference_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_PreferredStockLiquidationPreference_1" xml:lang="en-US" id="label_us-gaap_PreferredStockLiquidationPreference_1">Preferred stock, liquidation preference per share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockLiquidationPreference" xlink:to="label_us-gaap_PreferredStockLiquidationPreference_1" xlink:title="Label : us-gaap_PreferredStockLiquidationPreference to label_us-gaap_PreferredStockLiquidationPreference_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:label="us-gaap_PreferredStockNoParValue" xlink:title="us-gaap_PreferredStockNoParValue" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockNoParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockNoParValue" xml:lang="en-US" id="label_us-gaap_PreferredStockNoParValue">Preferred Stock, No Par Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockNoParValue" xlink:to="label_us-gaap_PreferredStockNoParValue" xlink:title="Label : us-gaap_PreferredStockNoParValue to label_us-gaap_PreferredStockNoParValue" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockNoParValue_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_PreferredStockNoParValue_1" xml:lang="en-US" id="label_us-gaap_PreferredStockNoParValue_1">Preferred stock, par value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockNoParValue" xlink:to="label_us-gaap_PreferredStockNoParValue_1" xlink:title="Label : us-gaap_PreferredStockNoParValue to label_us-gaap_PreferredStockNoParValue_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:label="us-gaap_PreferredStockDividendRatePercentage" xlink:title="us-gaap_PreferredStockDividendRatePercentage" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockDividendRatePercentage" xml:lang="en-US" id="label_us-gaap_PreferredStockDividendRatePercentage">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockDividendRatePercentage" xlink:to="label_us-gaap_PreferredStockDividendRatePercentage" xlink:title="Label : us-gaap_PreferredStockDividendRatePercentage to label_us-gaap_PreferredStockDividendRatePercentage" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockDividendRatePercentage" xlink:to="label_us-gaap_PreferredStockDividendRatePercentage_2" xlink:title="Label : us-gaap_PreferredStockDividendRatePercentage to label_us-gaap_PreferredStockDividendRatePercentage_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue" xlink:title="us-gaap_PreferredStockValue" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockValue" xml:lang="en-US" id="label_us-gaap_PreferredStockValue">Preferred Stock, Value, Issued</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockValue_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_PreferredStockValue_1" xml:lang="en-US" id="label_us-gaap_PreferredStockValue_1">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2014 and 2013</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="label_us-gaap_PreferredStockValue_1" xlink:title="Label : us-gaap_PreferredStockValue to label_us-gaap_PreferredStockValue_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockTextBlock" xlink:label="us-gaap_PreferredStockTextBlock" xlink:title="us-gaap_PreferredStockTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockTextBlock" xml:lang="en-US" id="label_us-gaap_PreferredStockTextBlock">Preferred Stock [Text Block]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_PreferredStockTextBlock_1" xml:lang="en-US" id="label_us-gaap_PreferredStockTextBlock_1">PREFERRED STOCK</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="us-gaap_PreferredStockSharesIssued" xlink:title="us-gaap_PreferredStockSharesIssued" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PreferredStockSharesIssued" xml:lang="en-US" id="label_us-gaap_PreferredStockSharesIssued">Preferred Stock, Shares Issued</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="label_us-gaap_PreferredStockSharesIssued" xlink:title="Label : us-gaap_PreferredStockSharesIssued to label_us-gaap_PreferredStockSharesIssued" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="label_us-gaap_PreferredStockSharesIssued_1" xlink:title="Label : us-gaap_PreferredStockSharesIssued to label_us-gaap_PreferredStockSharesIssued_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" xlink:title="us-gaap_PreferredStockSharesAuthorized" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="label_us-gaap_PreferredStockSharesAuthorized" xlink:title="Label : us-gaap_PreferredStockSharesAuthorized to label_us-gaap_PreferredStockSharesAuthorized" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="label_us-gaap_PreferredStockSharesAuthorized_1" xlink:title="Label : us-gaap_PreferredStockSharesAuthorized to label_us-gaap_PreferredStockSharesAuthorized_1" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="us-gaap_PreferredStockSharesOutstanding" xlink:title="us-gaap_PreferredStockSharesOutstanding" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="label_us-gaap_PreferredStockSharesOutstanding" xlink:title="Label : us-gaap_PreferredStockSharesOutstanding to label_us-gaap_PreferredStockSharesOutstanding" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="label_us-gaap_PreferredStockSharesOutstanding_1" xlink:title="Label : us-gaap_PreferredStockSharesOutstanding to label_us-gaap_PreferredStockSharesOutstanding_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:to="label_us-gaap_ShortTermDebtWeightedAverageInterestRate_1" xlink:title="Label : us-gaap_ShortTermDebtWeightedAverageInterestRate to label_us-gaap_ShortTermDebtWeightedAverageInterestRate_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermDebtLineItems" xlink:to="label_us-gaap_ShortTermDebtLineItems" xlink:title="Label : us-gaap_ShortTermDebtLineItems to label_us-gaap_ShortTermDebtLineItems" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ShortTermDebtTypeDomain" xml:lang="en-US" id="label_us-gaap_ShortTermDebtTypeDomain">Short-term Debt, Type [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:title="us-gaap_SignificantAccountingPoliciesTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="label_us-gaap_SignificantAccountingPoliciesTextBlock_1" xlink:title="Label : us-gaap_SignificantAccountingPoliciesTextBlock to label_us-gaap_SignificantAccountingPoliciesTextBlock_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_SpecialMentionMember" xlink:label="us-gaap_SpecialMentionMember" xlink:title="us-gaap_SpecialMentionMember" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_SpecialMentionMember_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_SpecialMentionMember_1" xml:lang="en-US" id="label_us-gaap_SpecialMentionMember_1">Special Mention [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SpecialMentionMember" xlink:to="label_us-gaap_SpecialMentionMember_1" xlink:title="Label : us-gaap_SpecialMentionMember to label_us-gaap_SpecialMentionMember_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_StandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StandardPoorsAAARatingMember" xml:lang="en-US" id="label_us-gaap_StandardPoorsAAARatingMember">Standard &amp; Poor's, AAA Rating [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_StockRepurchasedDuringPeriodShares_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StockRepurchasedDuringPeriodShares_1" xml:lang="en-US" id="label_us-gaap_StockRepurchasedDuringPeriodShares_1">Shares of stock repurchased</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:title="us-gaap_StockIssuedDuringPeriodValueNewIssues" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:title="Label : us-gaap_StockIssuedDuringPeriodValueNewIssues to label_us-gaap_StockIssuedDuringPeriodValueNewIssues" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="label_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:title="Label : us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets to label_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_1" xml:lang="en-US" id="label_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_1">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TierOneLeverageCapitalAbstract" xml:lang="en-US" id="label_us-gaap_TierOneLeverageCapitalAbstract">Tier One Leverage Capital [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_TierOneLeverageCapitalAbstract_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_TierOneLeverageCapitalAbstract_1" xml:lang="en-US" id="label_us-gaap_TierOneLeverageCapitalAbstract_1">Summarized regulatory capital ratio of company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalAbstract" xlink:to="label_us-gaap_TierOneLeverageCapitalAbstract_1" xlink:title="Label : us-gaap_TierOneLeverageCapitalAbstract to label_us-gaap_TierOneLeverageCapitalAbstract_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xml:lang="en-US" id="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">Tier One Risk Based Capital Required to be Well Capitalized</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:title="Label : us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized to label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_1" xml:lang="en-US" id="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_1">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_1" xlink:title="Label : us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized to label_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="us-gaap_TimeDepositMaturitiesYearFour" xlink:title="us-gaap_TimeDepositMaturitiesYearFour" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositMaturitiesYearFour" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFour">Time Deposit Maturities, Year Four</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearFour" xlink:to="label_us-gaap_TimeDepositMaturitiesYearFour" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearFour to label_us-gaap_TimeDepositMaturitiesYearFour" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearFour_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDepositMaturitiesYearFour_1" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFour_1">2018</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDeposits" xlink:label="us-gaap_TimeDeposits" xlink:title="us-gaap_TimeDeposits" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDeposits" xml:lang="en-US" id="label_us-gaap_TimeDeposits">Time Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="label_us-gaap_TimeDeposits" xlink:title="Label : us-gaap_TimeDeposits to label_us-gaap_TimeDeposits" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDeposits_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_TimeDeposits_1" xml:lang="en-US" id="label_us-gaap_TimeDeposits_1">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="label_us-gaap_TimeDeposits_1" xlink:title="Label : us-gaap_TimeDeposits to label_us-gaap_TimeDeposits_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositMaturitiesYearThree" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearThree">Time Deposit Maturities, Year Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearThree" xlink:to="label_us-gaap_TimeDepositMaturitiesYearThree" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearThree to label_us-gaap_TimeDepositMaturitiesYearThree" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearThree_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDepositMaturitiesYearThree_1" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearThree_1">2017</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearThree" xlink:to="label_us-gaap_TimeDepositMaturitiesYearThree_1" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearThree to label_us-gaap_TimeDepositMaturitiesYearThree_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="us-gaap_TimeDeposits100000OrMore" xlink:title="us-gaap_TimeDeposits100000OrMore" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDeposits100000OrMore" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDeposits100000OrMore" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMore">Time Deposits, $100,000 or More</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="label_us-gaap_TimeDeposits100000OrMore" xlink:title="Label : us-gaap_TimeDeposits100000OrMore to label_us-gaap_TimeDeposits100000OrMore" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDeposits100000OrMore_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDeposits100000OrMore_1" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMore_1">Certificates of deposit in denominations of $100,000 or more</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="label_us-gaap_TimeDeposits100000OrMore_1" xlink:title="Label : us-gaap_TimeDeposits100000OrMore to label_us-gaap_TimeDeposits100000OrMore_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDeposits100000OrMore_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_TimeDeposits100000OrMore_2" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMore_2">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="label_us-gaap_TimeDeposits100000OrMore_2" xlink:title="Label : us-gaap_TimeDeposits100000OrMore to label_us-gaap_TimeDeposits100000OrMore_2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:label="us-gaap_TimeDepositsLessThan100000" xlink:title="us-gaap_TimeDepositsLessThan100000" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositsLessThan100000" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositsLessThan100000" xml:lang="en-US" id="label_us-gaap_TimeDepositsLessThan100000">Time Deposits, Less than $100,000</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositsLessThan100000" xlink:to="label_us-gaap_TimeDepositsLessThan100000" xlink:title="Label : us-gaap_TimeDepositsLessThan100000 to label_us-gaap_TimeDepositsLessThan100000" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositsLessThan100000_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDepositsLessThan100000_1" xml:lang="en-US" id="label_us-gaap_TimeDepositsLessThan100000_1">Other time</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositsLessThan100000" xlink:to="label_us-gaap_TimeDepositsLessThan100000_1" xlink:title="Label : us-gaap_TimeDepositsLessThan100000 to label_us-gaap_TimeDepositsLessThan100000_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo" xlink:title="us-gaap_TimeDepositMaturitiesYearTwo" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositMaturitiesYearTwo" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearTwo">Time Deposit Maturities, Year Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="label_us-gaap_TimeDepositMaturitiesYearTwo" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearTwo to label_us-gaap_TimeDepositMaturitiesYearTwo" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearTwo_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDepositMaturitiesYearTwo_1" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearTwo_1">2016</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="label_us-gaap_TimeDepositMaturitiesYearTwo_1" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearTwo to label_us-gaap_TimeDepositMaturitiesYearTwo_1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="us-gaap_TimeDepositMaturitiesYearFive" xlink:title="us-gaap_TimeDepositMaturitiesYearFive" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositMaturitiesYearFive" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFive">Time Deposit Maturities, Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearFive" xlink:to="label_us-gaap_TimeDepositMaturitiesYearFive" xlink:title="Label : us-gaap_TimeDepositMaturitiesYearFive to label_us-gaap_TimeDepositMaturitiesYearFive" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesYearFive_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_TimeDepositMaturitiesYearFive_1" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFive_1">2019</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:title="us-gaap_TimeDepositMaturitiesAfterYearFive" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TimeDepositMaturitiesAfterYearFive" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesAfterYearFive">Time Deposit Maturities, after Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="label_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:title="Label : us-gaap_TimeDepositMaturitiesAfterYearFive to label_us-gaap_TimeDepositMaturitiesAfterYearFive" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockSharesAcquired" xlink:to="label_us-gaap_TreasuryStockSharesAcquired" xlink:title="Label : us-gaap_TreasuryStockSharesAcquired to label_us-gaap_TreasuryStockSharesAcquired" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockSharesAcquired" xlink:to="label_us-gaap_TreasuryStockSharesAcquired_1" xlink:title="Label : us-gaap_TreasuryStockSharesAcquired to label_us-gaap_TreasuryStockSharesAcquired_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_TreasuryStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TreasuryStockMember" xml:lang="en-US" id="label_us-gaap_TreasuryStockMember">Treasury Stock [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:title="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:label="us-gaap_TaxableMunicipalBondsMember" xlink:title="us-gaap_TaxableMunicipalBondsMember" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_TaxableMunicipalBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_TaxableMunicipalBondsMember" xml:lang="en-US" id="label_us-gaap_TaxableMunicipalBondsMember">Taxable Municipal Bonds [Member]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxableMunicipalBondsMember" xlink:to="label_us-gaap_TaxableMunicipalBondsMember_1" xlink:title="Label : us-gaap_TaxableMunicipalBondsMember to label_us-gaap_TaxableMunicipalBondsMember_1" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xml:lang="en-US" id="label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember">U S Government Agencies Debt Securities [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:to="label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:title="Label : us-gaap_USGovernmentAgenciesDebtSecuritiesMember to label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" />
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    <link:label xlink:type="resource" xlink:label="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US" id="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">Weighted Average Number of Shares Outstanding, Basic</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1" xlink:title="Label : us-gaap_WeightedAverageNumberOfSharesOutstandingBasic to label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2" xlink:title="Label : us-gaap_WeightedAverageNumberOfSharesOutstandingBasic to label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1" xlink:title="Label : us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding to label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1" />
    <link:label xlink:type="resource" xlink:label="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2" xml:lang="en-US" id="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2">Weighted average common shares outstanding (diluted)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2" xlink:title="Label : us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding to label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>15
<FILENAME>asrv-20141231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--Created by The Vintage Group, Powered by IRIS Carbon-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-naitdrt1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-naitdrt1" />
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  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-cadfdi" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-cadfdi" />
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  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpt1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpt1" />
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  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsociboapaafsd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsociboapaafsd1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsoanyraconppcd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsoanyraconppcd1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsoabod1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsoabod1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsowaautdbod1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsowaautdbod1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsoconpbcd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsoconpbcd1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsoocipaaboriocild1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsoocipaaboriocild1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsowaautdnpbcd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsowaautdnpbcd1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsopaad1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsopaad1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-ebpsoamafvd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-ebpsoamafvd1" />
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  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-pcfit" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-pcfit" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-dsobodoomd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-dsobodoomd1" />
  <link:roleRef roleURI="http://www.ameriservfinancial.com/role/asrv-affhlbagjsdidnd1" xlink:type="simple" xlink:href="asrv-20141231.xsd#asrv-affhlbagjsdidnd1" />
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31,</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong>2013</strong></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-size: 10pt;">Non-accrual loans:</font></td>
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<td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;">(IN&#160;THOUSANDS,&#160;</font><font style="font-size: 10pt;">EXCEPT&#160;</font><font style="font-size: 10pt;">PERCENTAGES)</font><font style="font-size: 10pt;"></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>778</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>1,632</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,239</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,195</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,871</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>344</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>128</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>673</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total restructured loans not in non-accrual (TDR)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>210</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>221</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total non-performing assets including TDR</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,917</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,109</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.35</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.52</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Schedule of TDRs</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2014 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>210</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>742</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2013 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>1,250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>161</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2012 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Current</font></strong></p>
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Balance</font></strong></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>3,772</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Current</font></strong></p>
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Balance</font></strong></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>169</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><br/></p>
</div>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock', window );">Schedule of Recorded Investment of Defaults</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-right: 0.100000001490116px;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-decoration: underline; text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Recorded investment of defaults</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 61%;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><font>1,480</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><font>595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,480</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Schedule of Interest Income</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 61%; text-indent: 10px;"><font style="font-size: 10pt;">Interest income due in accordance with original terms</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>178</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Interest income recorded</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Net reduction in interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>178</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;">&#160;</td>
</tr>

</table>
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                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of non-performing assets including trouble debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of recorded investment in loans as trouble debt restructuring.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables and troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953682-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td>us-gaap_</td>
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E6PAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">$ 42,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">$ 82,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">$ 38,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Common stock reserved for issuances</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" onclick="toggleNextSibling(this);">800,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent', window );">Option price as a percentage of fair market value per share of common stock on the Grant Date</a></td>
        <td class="nump"><a title="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent" onclick="toggleNextSibling(this);">100.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Maximum contractual term</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
        <td class="text">3 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number of options outstanding</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions" onclick="toggleNextSibling(this);">559,909</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeOneMember', window );">Range One [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number of options outstanding and exercisable</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeOneMember]" onclick="toggleNextSibling(this);">330,822</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeOneMember]" onclick="toggleNextSibling(this);">$ 1.53</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeOneMember]" onclick="toggleNextSibling(this);">$ 5.22</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1', window );">Weighted average exercise price of options outstanding and exercisable</a></td>
        <td class="nump"><a title="us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeOneMember]" onclick="toggleNextSibling(this);">$ 2.36</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding and exercisable</a></td>
        <td class="text">6 years 1 month 6 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeTwoMember', window );">Range Two [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number of options outstanding and exercisable</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeTwoMember]" onclick="toggleNextSibling(this);">229,087</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeTwoMember]" onclick="toggleNextSibling(this);">$ 2.57</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeTwoMember]" onclick="toggleNextSibling(this);">$ 3.23</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1', window );">Weighted average exercise price of options outstanding</a></td>
        <td class="nump"><a title="us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1[us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis=asrv_RangeTwoMember]" onclick="toggleNextSibling(this);">$ 3.09</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1<br>/ us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis<br>= asrv_RangeTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding</a></td>
        <td class="text">8 years 7 months 17 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AllocatedShareBasedCompensationExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Purchase price of common stock expressed as a percentage of its fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average exercise price as of the balance sheet date for those equity-based payment arrangements exercisable and outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of exercisable stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The floor of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding exercisable stock options as of the balance sheet date in the customized range of exercise prices for which the market and performance vesting condition has been satisfied.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding stock options as of the balance sheet date for all option plans in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of outstanding stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The ceiling of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock', window );">Schedule of Segment Results</a></td>
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<div align="left">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>YEAR ENDED DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong> </strong></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><b>RETAIL&#160;</b><b>BANKING</b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong>&#160;</strong></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> COMMERCIAL&#160;BANKING </font></strong></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; TRUST </font></strong></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> INVESTMENT/ PARENT </font></strong></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong>&#160;</strong></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><b>TOTAL</b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><strong>&#160;</strong></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><b></b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><b></b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>20,141</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>16,777</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>47</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,921</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34,044</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for loan loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>57</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>318</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,633</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>381</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,118</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>191</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14,323</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>22,531</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,868</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,967</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,005</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>43,371</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,186</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,972</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,198</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5,735</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,621</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>958</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,819</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>634</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,813</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,228</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,153</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>564</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,922</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376,009</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>563,690</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,015</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>144,549</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,089,263</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RETAIL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">COMMERCIAL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TRUST</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INVESTMENT/ </font></strong><strong><font style="font-family: 'times new roman', times;">PARENT</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TOTAL</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,223</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15,687</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>35</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,084</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>32,861</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Credit provision for loan loss</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(92</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,008</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,512</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>642</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,391</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>199</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15,744</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>22,870</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,148</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,605</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,600</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>42,223</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,957</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,189</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,821</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,485</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,482</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,165</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,166</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>619</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,661</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,792</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,023</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,202</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,824</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>347,823</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>545,556</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,722</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>157,935</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,056,036</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31, 2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RETAIL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> COMMERCIAL&#160;BANKING </font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"> &#160; <strong>TRUST </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INVESTMENT/</font></strong><strong><font style="font-family: 'times new roman', times;">PARENT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TOTAL</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><br/></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,585</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,499</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>35</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,916</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>32,203</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Credit provision for loan loss</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(160</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(615</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(775</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,565</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>585</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,784</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,943</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>22,802</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,970</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,387</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,482</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,641</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,508</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,729</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,432</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,389</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,280</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,358</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,044</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>487</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,648</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,150</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,685</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>945</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,741</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>336,241</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>497,331</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,429</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>162,990</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,000,991</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8721-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8813-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 22<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8736-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Tables)<br></strong></div>
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          <div>Dec. 31, 2014</div>
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<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FUTURE MINIMUM&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">LEASE PAYMENTS</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></strong></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 87%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>711</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>585</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>426</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2018</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>280</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2019</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>159</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2020 and thereafter</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,561</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LeasesOperatingAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of future minimum payments required in the aggregate and for each of the five succeeding fiscal years for operating leases having initial or remaining noncancelable lease terms in excess of one year and the total minimum rentals to be received in the future under noncancelable subleases as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1HBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalToTangibleAssets', window );">Tangible common equity ratio</a></td>
        <td class="nump"><a title="us-gaap_TangibleCapitalToTangibleAssets" onclick="toggleNextSibling(this);">7.56%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TangibleCapitalToTangibleAssets</span><span></span></td>
        <td class="nump"><a title="us-gaap_TangibleCapitalToTangibleAssets" onclick="toggleNextSibling(this);">7.64%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TangibleCapitalToTangibleAssets</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember', window );">Consolidated [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_Capital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);"> 131,497</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Capital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Capital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);"> 128,469</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Capital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">14.80%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">15.28%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">71,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">67,247</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">88,833</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">84,059</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">120,992</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">117,957</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">13.62%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">14.03%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">35,533</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">33,624</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">53,300</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">50,435</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (To Average Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">120,992</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapital[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">117,957</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapital<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (To Average Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">11.34%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">11.45%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">42,662</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">41,204</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">53,327</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">51,505</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets[dei_LegalEntityAxis=us-gaap_ConsolidatedEntitiesMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ConsolidatedEntitiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember', window );">AmeriServ Financial Bank [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_Capital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">106,084</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Capital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Capital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">103,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Capital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">12.07%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">12.39%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">70,305</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">66,506</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">87,881</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">83,132</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">95,579</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">92,611</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">10.88%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">11.14%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">35,153</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">33,253</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">52,729</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">49,879</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (To Average Assets), Actual Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">95,579</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapital[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">92,611</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapital<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (To Average Assets), Actual Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">9.19%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">9.23%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">41,608</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">40,124</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);"> 52,010</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);"> 50,155</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets[dei_LegalEntityAxis=asrv_AmeriservFinancialBankMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets<br>/ dei_LegalEntityAxis<br>= asrv_AmeriservFinancialBankMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of total capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Capital</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacy</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalized</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total Capital divided by risk weighted assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CapitalToRiskWeightedAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalToTangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible Capital divided by Tangible assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TangibleCapitalToTangibleAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapital</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalAbstract</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Risk Based Capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapital</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
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              </div>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EOGAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" onclick="toggleNextSibling(this);">$ 1,756</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" onclick="toggleNextSibling(this);">$ 2,509</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" onclick="toggleNextSibling(this);">$ 3,770</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" onclick="toggleNextSibling(this);">12</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" onclick="toggleNextSibling(this);">14</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">13</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">13</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,756</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2,459</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,754</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">12</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">11</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">37</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">3</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ 3</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestAndOtherIncomeAbstract</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember</td>
                  </tr>
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                    <td></td>
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                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EJHBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustment to reconcile net income to net cash (used in) provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">4,962</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">14,854</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">3,212</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">22,900</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">43,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">59,800</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(30,894)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(66,301)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(32,154)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(210)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(209)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(828)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock" onclick="toggleNextSibling(this);">(752)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock" onclick="toggleNextSibling(this);">(566)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">28,738</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">54,693</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">20,979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">2,806</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">3,246</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
        <td class="num"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">(7,963)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">26,820</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">34,783</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">32,872</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">26,820</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustment to reconcile net income to net cash (used in) provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="num"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(2,632)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(756)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,080</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock compensation expense</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensation[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">42</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensation<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensation[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">82</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensation<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensation[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">38</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensation<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherOperatingActivitiesCashFlowStatement', window );">Other - net</a></td>
        <td class="num"><a title="us-gaap_OtherOperatingActivitiesCashFlowStatement[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(505)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherOperatingActivitiesCashFlowStatement<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherOperatingActivitiesCashFlowStatement[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(718)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherOperatingActivitiesCashFlowStatement<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherOperatingActivitiesCashFlowStatement[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(989)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherOperatingActivitiesCashFlowStatement<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(72)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">3,801</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">6,168</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchase of investment securities - available for sale</a></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(2,027)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(3,885)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(2,077)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,284</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,506</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,809</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">257</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(1,379)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">732</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of regulatory stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForRepurchaseOfCommonStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(1,171)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForRepurchaseOfCommonStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForRepurchaseOfCommonStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(4,417)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForRepurchaseOfCommonStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(210)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(209)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(828)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(752)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(566)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(962)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(1,946)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(5,245)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="num"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(777)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">476</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,655</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">6,661</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">6,185</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">4,530</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">$ 5,884</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">$ 6,661</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">$ 6,185</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other cash or noncash adjustments to reconcile net income to cash provided by (used in) operating activities that are not separately disclosed in the statement of cash flows (for example,  cash received or cash paid during the current period for miscellaneous operating activities, net change during the reporting period in other assets or other liabilities).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
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                  <tr>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                    <td style="white-space:nowrap;">dei_LegalEntityAxis=us-gaap_ParentCompanyMember</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Summarized Regulatory Capital Ratio</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="22" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AS OF DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b></font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>ACTUAL</b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>FOR CAPITAL</b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>ADEQUACY</b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>PURPOSES</b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> TO&#160;BE&#160;WELL<br/>CAPITALIZED&#160;UNDER<br/>PROMPT&#160;CORRECTIVE<br/>ACTION&#160;PROVISIONS </font></strong></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="22" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS, EXCEPT RATIOS)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman'; text-indent: 0px;"><br/></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"><font style="font-size: 10pt; font-family: 'times new roman', times;">Total Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>131,497</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14.80</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>71,066</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>88,833</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>106,084</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12.07</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>70,305</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>87,881</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>120,992</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>13.62</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>35,533</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>53,300</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>95,579</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.88</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>35,153</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>52,729</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Average Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>120,992</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11.34</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>42,662</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>53,327</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>95,579</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9.19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>41,608</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>52,010</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AS OF DECEMBER 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';" colspan="6" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><br/> <br/> <br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ACTUAL</font></strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FOR CAPITAL </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ADEQUACY </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PURPOSES</font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> TO&#160;BE&#160;WELL<br/>CAPITALIZED&#160;UNDER<br/>PROMPT&#160;CORRECTIVE<br/>ACTION&#160;PROVISIONS </font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS, EXCEPT RATIOS)</font></font></td>
<td style="font-family: 'Times New Roman';"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><br/></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>128,469</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15.28</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>67,247</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>84,059</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>103,009</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12.39</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>66,506</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>83,132</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>117,957</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14.03</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33,624</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>50,435</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>92,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11.14</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>49,879</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-size: 10pt; font-family: 'times new roman', times;">Tier 1 Capital (To Average Assets) Consolidated</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>117,957</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11.45</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,204</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>51,505</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>92,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9.23</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,124</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>50,155</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

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</div><span></span></td>
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    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryCapitalRequirementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_RegulatoryCapitalRequirementsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958570-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35709795&amp;loc=SL5958577-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1GAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Interest Income) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract', window );"><strong>Schedule of Interest Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome', window );">Interest income due in accordance with original terms</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" onclick="toggleNextSibling(this);">$ 136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" onclick="toggleNextSibling(this);">$ 178</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" onclick="toggleNextSibling(this);">$ 231</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestIncomeRecordedNonaccrualLoans', window );">Interest income recorded</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="rou">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NetReductionInInterestIncome', window );">Net reduction in interest income</a></td>
        <td class="nump"><a title="asrv_NetReductionInInterestIncome" onclick="toggleNextSibling(this);">$ 136</a><span style="display:none;white-space:normal;text-align:left;">asrv_NetReductionInInterestIncome</span><span></span></td>
        <td class="nump"><a title="asrv_NetReductionInInterestIncome" onclick="toggleNextSibling(this);">$ 178</a><span style="display:none;white-space:normal;text-align:left;">asrv_NetReductionInInterestIncome</span><span></span></td>
        <td class="nump"><a title="asrv_NetReductionInInterestIncome" onclick="toggleNextSibling(this);">$ 231</a><span style="display:none;white-space:normal;text-align:left;">asrv_NetReductionInInterestIncome</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income recorded for nonaccrual loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InterestIncomeRecordedNonaccrualLoans</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net reduction in interest income</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_NetReductionInInterestIncome</td>
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                    <td>asrv_</td>
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                    <td>xbrli:monetaryItemType</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsReceivableAdditionalDisclosuresAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gross interest income that would have been recorded in the period on troubled debt restructurings, if the loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination, if held for part of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18794-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EEOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
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          <div class="a">Pension Plans, Defined Benefit [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract', window );"><strong>WEIGHTED AVERAGE ASSUMPTIONS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Discount rate</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">4.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">4.75%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected return on plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease', window );">Rate of compensation increase</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest rate used to adjust for the time value of money.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected rate of compensation increases (for pay-related plans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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          <div style="width: 200px;"><strong>INCOME TAXES (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Current</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,036</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>139</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>140</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deferred</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>562</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,101</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATE</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;">(IN THOUSANDS, EXCEPT PERCENTAGES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income&#160;tax&#160;expense&#160;based&#160;on&#160;federal&#160;statutory&#160;rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,571</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34.0</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,544</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>34.0</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,475</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>34.0</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tax exempt income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(274</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5.9</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(359</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4.8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(315</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4.3</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>301</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.5</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>104</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>81</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.1</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total expense for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34.6</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30.6</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30.8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AT DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">DEFERRED TAX ASSETS:</font></td>
<td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Allowance for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,272</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,437</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unfunded commitment reserve</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>300</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>264</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Premises and equipment</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,433</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,832</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued pension obligation</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,358</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,462</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net operating loss carryforwards</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>242</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,307</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Alternative minimum tax credits</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,820</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,749</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>349</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>393</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total tax assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,774</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,444</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">DEFERRED TAX LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment accretion</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(25</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(18</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized investment security gains</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(950</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(545</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(251</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(309</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total tax liabilities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,226</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(872</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net deferred tax asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9,548</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,572</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock', window );">Schedule of Change in Net Deferred Tax Assets and Liabilities</a></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED&#160;</font><font style="font-family: 'times new roman', times;">DECEMBER 31,</font></strong></font></p>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized gains recognized in comprehensive income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(404</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Pension obligation of the defined benefit plan not yet recognized in income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>942</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,340</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deferred provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(562</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net decrease</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,895</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                <p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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                <p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<tr style="vertical-align: top;">
<td style="width: 16.55pt; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>25.</strong></font></td>
<td style="text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong><font style="font-family: 'times new roman', times;">SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (unaudited)</font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><br/></p>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<div style="display: block;">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014 QUARTER ENDED</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>DEC. 31</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>SEPT. 30</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>JUNE 30</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>MARCH 31</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="font-family: 'times new roman'; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; text-align: left; width: 48%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,344</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,019</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9,983</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,095</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,612</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,616</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,599</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,570</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,732</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,403</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income after provision for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,357</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,403</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,560</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,593</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,638</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,532</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,770</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,243</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,620</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,738</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income before income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,147</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>753</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,402</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,319</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 11.8pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>398</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>388</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>423</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>389</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>749</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>365</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>979</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>930</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Basic earnings per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.04</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.02</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Diluted earnings per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.04</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.02</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash dividends declared per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><br/></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013 QUARTER ENDED</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">DEC. 31</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SEPT. 30</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">JUNE 30</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">MARCH 31</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; text-align: left; width: 48%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,203</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,811</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,627</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,702</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,605</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,606</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,660</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,200</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,021</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,042</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision (credit) for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income after provision (credit) for loan losses</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,200</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,871</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,292</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,867</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,986</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,075</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,816</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,746</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,413</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,442</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,622</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,719</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,773</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,504</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,486</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>878</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>547</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>434</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>430</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,841</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,226</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,070</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,056</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Basic earnings per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.06</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Diluted earnings per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.09</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.06</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash dividends declared per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EDHAC">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Narrative) (Details) (USD $)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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          <div>Dec. 31, 2013</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays', window );">Aggregate of multiple consecutive maturity date extensions delay in payment, days</a></td>
        <td class="text">120 days<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowersAggregateExposureForLoanModificationMinimum', window );">Borrowers aggregate exposure for loan modification minimum</a></td>
        <td class="nump"><a title="asrv_BorrowersAggregateExposureForLoanModificationMinimum" onclick="toggleNextSibling(this);">$ 250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_BorrowersAggregateExposureForLoanModificationMinimum</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">6 months<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus', window );">Minimum consecutive months payment for removing the loan from non-accrual status</a></td>
        <td class="text">6 months<span></span></td>
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        <td class="nump"><a title="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" onclick="toggleNextSibling(this);">$ 520,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings</span><span></span></td>
        <td class="nump"><a title="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" onclick="toggleNextSibling(this);">$ 344,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings</span><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate of multiple consecutive maturity date extensions delay in payment.</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The specific ALL reserve for loans modified as TDR's.</p>
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                <p>No definition available.</p>
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                <p>Borrowers aggregate exposure for loan modification minimum.</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum number of consecutive months payment for removing the loan from non-accrual status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
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<SEQUENCE>30
<FILENAME>0001144204-15-014471-xbrl.zip
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    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EMKAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS (Schedule of Reconciliation of Company's Goodwill) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillRollForward', window );"><strong>Reconciliation of goodwill</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment charge</a></td>
        <td class="num"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">(669,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="num"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">(669,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Balance at end of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 11,944,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EUOBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent" onclick="toggleNextSibling(this);">$ 823,123</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent" onclick="toggleNextSibling(this);">$ 778,265</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" onclick="toggleNextSibling(this);">2,550</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" onclick="toggleNextSibling(this);">2,722</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" onclick="toggleNextSibling(this);">340</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" onclick="toggleNextSibling(this);">697</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" onclick="toggleNextSibling(this);">1,067</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" onclick="toggleNextSibling(this);">1,662</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue" onclick="toggleNextSibling(this);">3,957</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue" onclick="toggleNextSibling(this);">5,081</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">827,080</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">783,346</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,049</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,619</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">457</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">615</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,072</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,329</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">411,691</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">255,021</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">231,740</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">2,196</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">2,232</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">332</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">670</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,067</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,047</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">3,595</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">3,949</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">258,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">235,689</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">18,927</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentCurrent[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">15,804</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentCurrent<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">74</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">33</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">8</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">27</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">82</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableRecordedInvestmentPastDue[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">60</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableRecordedInvestmentPastDue<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">19,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">15,864</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 60 days past due but more than 29 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 90 days past due but more than 59 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are current.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are equal to or greater than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded Investment in financing receivables that are past due at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember</td>
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                    <td></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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                    <td></td>
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                    <td>na</td>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
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                    <td></td>
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                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EHAAI">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 989</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 3,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">512</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancialInstrumentsOwnedOtherAtFairValue<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">1,017</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancialInstrumentsOwnedOtherAtFairValue<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">469</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">2,253</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">30.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">30.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Other Real Estate Owned [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">9.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">55.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">38.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Impaired Loans [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Other Real Estate Owned [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">47.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">31.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Impaired Loans [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">15.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">15.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">37.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_ImpairedLoansMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">37.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_ImpairedLoansMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Other Real Estate Owned [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">61.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueLiquidationExpenses[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">20.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueLiquidationExpenses<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">83.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="asrv_FairValueAppraisalOfAdjustments[us-gaap_FairValueByAssetClassAxis=asrv_OtherRealEstateOwnedMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">48.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FairValueAppraisalOfAdjustments<br>/ us-gaap_FairValueByAssetClassAxis<br>= asrv_OtherRealEstateOwnedMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Level 1 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Level 2 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">512</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancialInstrumentsOwnedOtherAtFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">1,017</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancialInstrumentsOwnedOtherAtFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">$ 469</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">$ 2,253</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
      </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FairValueAppraisalOfAdjustments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value appraisal of adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FairValueAppraisalOfAdjustments</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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          </td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value liquidation expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FairValueLiquidationExpenses</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value as of the balance sheet date of firm holdings in other positions not elsewhere specified in the taxonomy. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 940<br><br> -SubTopic 320<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35711157&amp;loc=d3e42546-110969<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancialInstrumentsOwnedOtherAtFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        </tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember</td>
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                    <td></td>
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                    <td>na</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014 QUARTER ENDED</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>DEC. 31</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>SEPT. 30</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>JUNE 30</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>MARCH 31</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="font-family: 'times new roman'; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; text-align: left; width: 48%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,344</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,019</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9,983</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,095</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,612</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,616</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,599</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,570</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,732</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,403</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income after provision for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,357</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,403</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,560</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,593</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,638</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,532</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,770</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,243</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,620</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,738</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income before income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,147</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>753</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,402</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,319</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 11.8pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>398</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>388</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>423</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>389</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>749</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>365</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>979</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>930</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Basic earnings per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.04</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.02</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Diluted earnings per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.04</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.02</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.05</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; /* text-indent: 5.05pt; */ font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash dividends declared per common share</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.01</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>


<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 16.55pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><br/></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013 QUARTER ENDED</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">DEC. 31</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SEPT. 30</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">JUNE 30</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">MARCH 31</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; text-align: left; width: 48%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,203</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,811</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,627</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,702</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,605</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,606</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,660</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,200</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,021</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,042</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision (credit) for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income after provision (credit) for loan losses</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,200</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,871</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,292</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,867</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,986</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,075</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,816</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,746</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,413</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,442</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,622</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,719</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,773</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,504</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,486</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>878</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>547</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>434</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>430</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,841</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,226</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,070</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,056</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Basic earnings per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.06</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Diluted earnings per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.09</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.06</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.05</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash dividends declared per common share</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.01</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_QuarterlyFinancialInformationDisclosureAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)-(j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35737889&amp;loc=d3e1280-108306<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>nonnum:textBlockItemType</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ELSAE">
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          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability', window );">Carrying value of commitment</a></td>
        <td class="nump"><a title="us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" onclick="toggleNextSibling(this);"> 882</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability</span><span></span></td>
        <td class="nump"><a title="us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" onclick="toggleNextSibling(this);">$ 776</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_CommitmentsToExtendCreditMember', window );">Commitments To Extend Credit [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum', window );">Amount of commitment</a></td>
        <td class="nump"><a title="us-gaap_LossContingencyRangeOfPossibleLossMaximum[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_CommitmentsToExtendCreditMember]" onclick="toggleNextSibling(this);">188,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LossContingencyRangeOfPossibleLossMaximum<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_CommitmentsToExtendCreditMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LossContingencyRangeOfPossibleLossMaximum[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_CommitmentsToExtendCreditMember]" onclick="toggleNextSibling(this);">146,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LossContingencyRangeOfPossibleLossMaximum<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_CommitmentsToExtendCreditMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember', window );">Standby Letters Of Credit [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum', window );">Amount of commitment</a></td>
        <td class="nump"><a title="us-gaap_LossContingencyRangeOfPossibleLossMaximum[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember]" onclick="toggleNextSibling(this);">7,200</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LossContingencyRangeOfPossibleLossMaximum<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_StandbyLettersOfCreditMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LossContingencyRangeOfPossibleLossMaximum[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember]" onclick="toggleNextSibling(this);">13,200</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LossContingencyRangeOfPossibleLossMaximum<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_StandbyLettersOfCreditMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings', window );">Amount of commitments secured</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember]" onclick="toggleNextSibling(this);"> 3,300</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_StandbyLettersOfCreditMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings[us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember]" onclick="toggleNextSibling(this);">$ 3,900</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings<br>/ us-gaap_LossContingenciesByNatureOfContingencyAxis<br>= us-gaap_StandbyLettersOfCreditMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember', window );">Standby Letters Of Credit [Member] | Minimum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossContingencyTermOfCommitment', window );">Term of commitment</a></td>
        <td class="text">1 year<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember', window );">Standby Letters Of Credit [Member] | Maximum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossContingencyTermOfCommitment', window );">Term of commitment</a></td>
        <td class="text">2 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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    <div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss ontingency, Term Of Commitment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_LossContingencyTermOfCommitment</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The face amount of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate value of loans, trade receivables, securities and financial instruments that serve as collateral for obligations arising from a transfer of financial assets recorded as a secured borrowing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5086-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34720971&amp;loc=SL6224234-111729<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LossContingenciesLineItems</td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated maximum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LossContingencyRangeOfPossibleLossMaximum</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_CommitmentsToExtendCreditMember</td>
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                    <td></td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LossContingenciesByNatureOfContingencyAxis=us-gaap_StandbyLettersOfCreditMember</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EZEAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of TDRs) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember', window );">Loans in accrual status [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 742</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 161</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 169</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember', window );">Loans in accrual status [Member] | Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">1</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">61</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">13</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember', window );">Loans in non-accrual status [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">2</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsNumberOfContracts2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsNumberOfContracts2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 210</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 1,250</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2[asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember;us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">$ 3,772</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2<br>/ asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis<br>= asrv_LoansInNonAccrualStatusMember<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">Extension of maturity date</div><span></span></td>
      </tr>
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    <div style="display: none;">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of how troubled debt restructurings that occurred during the period are factored into the determination of the allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>duration</td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Post-modification amount of investment in financing receivables modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInAccrualStatusMember</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis=asrv_LoansInNonAccrualStatusMember</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ETHAE">
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          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract', window );"><strong>FEDERAL HOME LOAN BANK STOCK:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate', window );">2015</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">0.52%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">0.52%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate', window );">2016</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">0.81%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">0.81%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate', window );">2017</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">1.06%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">1.07%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate', window );">2018</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">1.51%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">1.47%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate', window );">2019</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" onclick="toggleNextSibling(this);">1.88%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate', window );">Total advances from FHLB</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" onclick="toggleNextSibling(this);">1.12%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" onclick="toggleNextSibling(this);">0.89%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract', window );"><strong>BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate', window );">2015</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">$ 4,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">$ 4,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2016</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">12,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">12,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2017</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">12,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">7,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2018</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">10,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">2,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate', window );">2019</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" onclick="toggleNextSibling(this);">4,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Total advances from FHLB</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesLongTerm" onclick="toggleNextSibling(this);">$ 42,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesLongTerm" onclick="toggleNextSibling(this);">$ 25,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Describes the weighted average interest rate applicable to the specific advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due after five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from four to five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from one to two years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from three to four years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Paragraph 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from two to three years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
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        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</td>
                  </tr>
                  <tr>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>instant</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract', window );"><strong>Demand:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDomesticDepositDemand', window );">Non-interest bearing</a></td>
        <td class="nump"><a title="us-gaap_NoninterestBearingDomesticDepositDemand" onclick="toggleNextSibling(this);">$ 167,551</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestBearingDomesticDepositDemand</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestBearingDomesticDepositDemand" onclick="toggleNextSibling(this);">$ 154,002</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestBearingDomesticDepositDemand</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositDemand', window );">Interest bearing</a></td>
        <td class="nump"><a title="us-gaap_InterestBearingDomesticDepositDemand" onclick="toggleNextSibling(this);">89,676</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDomesticDepositDemand</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestBearingDomesticDepositDemand" onclick="toggleNextSibling(this);">84,926</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDomesticDepositDemand</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings</a></td>
        <td class="nump"><a title="us-gaap_DepositsSavingsDeposits" onclick="toggleNextSibling(this);">90,020</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DepositsSavingsDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_DepositsSavingsDeposits" onclick="toggleNextSibling(this);">87,655</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DepositsSavingsDeposits</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market</a></td>
        <td class="nump"><a title="us-gaap_DepositsMoneyMarketDeposits" onclick="toggleNextSibling(this);">221,378</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DepositsMoneyMarketDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_DepositsMoneyMarketDeposits" onclick="toggleNextSibling(this);">219,801</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DepositsMoneyMarketDeposits</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">50,529</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">47,287</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Other time</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositsLessThan100000" onclick="toggleNextSibling(this);">250,727</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositsLessThan100000</span><span></span></td>
        <td class="nump"><a title="us-gaap_TimeDepositsLessThan100000" onclick="toggleNextSibling(this);">260,851</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositsLessThan100000</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump"><a title="us-gaap_Deposits" onclick="toggleNextSibling(this);">$ 869,881</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Deposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_Deposits" onclick="toggleNextSibling(this);">$ 854,522</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Deposits</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Deposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DepositsMoneyMarketDeposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DepositsSavingsDeposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in interest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositDemand</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDomesticDepositDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestBearingDomesticDepositDemand</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDeposits100000OrMore</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsLessThan100000">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositsLessThan100000</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ETAAG">
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          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2005</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2004</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds', window );">Overnight borrowing capability at the FHLB</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" onclick="toggleNextSibling(this);">$ 347,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable', window );">Unsecured federal funds lines with correspondent banks</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" onclick="toggleNextSibling(this);">39,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember', window );">Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, principal amount</a></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentFaceAmount[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">34,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentFaceAmount<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateStatedPercentage[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">8.45%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateStatedPercentage<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Maturity date</a></td>
        <td class="text">Jun. 30,  2028<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentCallDateEarliest', window );">Earliest redemption date</a></td>
        <td class="text">Jun. 30,  2003<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Unamortized deferred issuance costs</a></td>
        <td class="nump"><a title="us-gaap_DeferredFinanceCostsNet[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">209,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredFinanceCostsNet<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarlyRepaymentOfSubordinatedDebt', window );">Early redemption of debt</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_EarlyRepaymentOfSubordinatedDebt[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">22,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarlyRepaymentOfSubordinatedDebt<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarlyRepaymentOfSubordinatedDebt[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">22,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarlyRepaymentOfSubordinatedDebt<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">$ 13,100,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes[us-gaap_DebtInstrumentAxis=asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember]" onclick="toggleNextSibling(this);">$ 13,100,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes<br>/ us-gaap_DebtInstrumentAxis<br>= asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentCallDateEarliest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earliest date before maturity when the issuer can call the outstanding debt instrument for repayment or conversion to equity, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentCallDateEarliest</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face (par) amount of debt instrument at time of issuance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 55<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34725769&amp;loc=d3e28878-108400<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentFaceAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual interest rate for funds borrowed, under the debt agreement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentMaturityDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date when the debt instrument is scheduled to be fully repaid, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentMaturityDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFinanceCostsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredFinanceCostsNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarlyRepaymentOfSubordinatedDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the repayment of long-term borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets before its maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarlyRepaymentOfSubordinatedDebt</td>
                  </tr>
                  <tr>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</td>
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                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EGOAC">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Recorded Investment of Defaults) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RecordedInvestmentOfDefaults', window );"><strong>Recorded investment of defaults</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CommercialLoanReceivableModificationsRecordedInvestment', window );">Recorded investment default, total</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="asrv_CommercialLoanReceivableModificationsRecordedInvestment" onclick="toggleNextSibling(this);">$ 1,480</a><span style="display:none;white-space:normal;text-align:left;">asrv_CommercialLoanReceivableModificationsRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="asrv_CommercialLoanReceivableModificationsRecordedInvestment" onclick="toggleNextSibling(this);">$ 595</a><span style="display:none;white-space:normal;text-align:left;">asrv_CommercialLoanReceivableModificationsRecordedInvestment</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Commercial loan secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RecordedInvestmentOfDefaults', window );"><strong>Recorded investment of defaults</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CommercialLoanReceivableModificationsRecordedInvestment', window );">Recorded investment default, total</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="asrv_CommercialLoanReceivableModificationsRecordedInvestment[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">$ 1,480</a><span style="display:none;white-space:normal;text-align:left;">asrv_CommercialLoanReceivableModificationsRecordedInvestment<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="asrv_CommercialLoanReceivableModificationsRecordedInvestment[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">$ 595</a><span style="display:none;white-space:normal;text-align:left;">asrv_CommercialLoanReceivableModificationsRecordedInvestment<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Commercial loan receivable modifications, recorded investment.</p>
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                <p>No definition available.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E4LAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial" onclick="toggleNextSibling(this);">$ 549,455</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial" onclick="toggleNextSibling(this);">$ 531,793</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,329</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">411,691</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">538,860</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">505,411</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">132,665</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">108,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">406,195</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">396,788</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">781</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">15,841</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">161</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">8,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">620</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">6,961</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">9,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">10,081</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">6,164</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">2,599</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">3,238</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember]" onclick="toggleNextSibling(this);">7,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SubstandardMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">412</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">460</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">$ 276</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableCommercial[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">$ 460</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableCommercial<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of commercial loans and leases receivable includes, but not limited to, commercial and industrial loans, agricultural loans, mortgage loans, promissory notes, interbank and other loans to financial institutions, draws against credit facilities, trade financing, lease financings. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableCommercial</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansReceivableCommercialRealEstateAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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        <tr>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
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                    <td></td>
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                    <td><strong> Period Type:</strong></td>
                    <td></td>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
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                    <td></td>
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                    <td>na</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">17.</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury <font>21,000</font> shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $<font>21</font> million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at <font>5</font>% per annum and may be decreased to as low as <font>1</font>% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Series E Preferred Stock has an aggregate liquidation preference of approximately $<font>21</font> million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of &#147;qualified small business lending&#148; (&#147;QSBL&#148;) by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the &#147;Baseline&#148;) as follows:</font></p>
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<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 45%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">August 11, 2011</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 25%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">December 31, 2011</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">December 31, 2013</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.0</font>% to <font>5.0</font>%</font></td>
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<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">January 1, 2014</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">February 7, 2016</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.0</font>% to <font>7.0</font>%(1)</font></td>
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<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">February 8, 2016</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Redemption</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: center;" align="right"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9.0<font style="color: #000000; font-family: 'times new roman', times; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: -webkit-left; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;">%(2)</font></font></font></td>
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<div><font style="font-size: 10pt; margin: 0pt 0 0pt 0in;">Between January 1, 2014 and February 7, 2016, the Company's dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</font></div>
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<div style="text-align: left;"><font style="font-size: 10pt; margin: 0pt 0 0pt 0in;">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.<br/></font></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><br/></font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 12.5pt; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (<font>90</font>%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the &#147;Tier 1 Dividend Threshold&#148;). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 3pt; text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of <font>100</font>% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.</font></p>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>SHARES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE<br/>PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SHARES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SHARES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 34%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Outstanding at beginning of year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>487,349</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.55</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>398,371</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.43</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,612</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3.02</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Granted</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>115,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3.18</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>102,445</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3.19</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>164,241</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Exercised</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(10,700</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.25</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,467</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.81</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,500</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Forfeited</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(31,740</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3.08</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(10,000</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.25</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(77,982</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.47</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Outstanding at end of year</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>559,909</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>487,349</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.55</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>398,371</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.43</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Exercisable at end of year</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>330,822</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.36</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>257,253</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.25</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>167,624</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.29</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Weighted&#160;average&#160;fair&#160;value&#160;of&#160;options&#160;granted&#160;in&#160;current&#160;year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.85</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.83</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.80</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock', window );">Schedule of Assumptions</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-style: normal; font-weight: normal;"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">BLACK-SCHOLES ASSUMPTION RANGES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;"></td>
<td style="text-align: left; font-family: 'Times New Roman'; font-weight: normal; vertical-align: top;"></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Risk-free interest rate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.43&#160;</font>-&#160;<font>2.74</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.82&#160;</font>-&#160;<font>2.03</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.66&#160;</font>-&#160;<font>2.28</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected lives in years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected volatility</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>28&#160;</font>-&#160;<font>29</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30&#160;</font>-&#160;<font>32</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33&#160;</font>-&#160;<font>36</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected dividend rate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1.25&#160;</font>-&#160;<font>1.30</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.30</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;">%</td>
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                <p>Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.</p>
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                <p>Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.</p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> SHORT-TERM <br/>BORROWINGS </strong></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b></b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="6">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>47,762</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,783</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.29</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.27</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>

<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>FEDERAL</strong></font><br/><font style="font-size: 8pt;"><strong>FUNDS </strong></font><br/><font style="font-size: 8pt;"><strong>PURCHASED</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> SHORT-TERM <br/>BORROWINGS </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="6">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>959</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>16,482</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.34</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.25</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>

<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2012</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>FEDERAL</strong></font><br/><font style="font-size: 8pt;"><strong>FUNDS </strong></font><br/><font style="font-size: 8pt;"><strong>PURCHASED</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> OTHER <br/>SHORT-TERM <br/>BORROWINGS </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>15,660</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,755</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>117</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>5,225</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.34</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.20</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.25</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of short-term debt arrangements (having initial terms of repayment within one year or the normal operating cycle, if longer) including: (1) description of the short-term debt arrangement; (2) identification of the lender or type of lender; (3) repayment terms; (4) weighted average interest rate; (5) carrying amount of funds borrowed under the specified short-term debt arrangement as of the balance sheet date; (6) description of the refinancing of a short-term obligation when that obligation is excluded from current liabilities in the balance sheet; and (7) amount of a short-term obligation that has been excluded from current liabilities in the balance sheet because of a refinancing of the obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EZPAE">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Non-performing Assets Including TDR) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" onclick="toggleNextSibling(this);">$ 2,195</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" onclick="toggleNextSibling(this);">$ 2,871</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate" onclick="toggleNextSibling(this);">512</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate" onclick="toggleNextSibling(this);">1,017</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubledDebtRestructuringModificationsRecordedInvestment', window );">TDR's not in non-accrual</a></td>
        <td class="nump"><a title="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" onclick="toggleNextSibling(this);">210</a><span style="display:none;white-space:normal;text-align:left;">asrv_TroubledDebtRestructuringModificationsRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" onclick="toggleNextSibling(this);">221</a><span style="display:none;white-space:normal;text-align:left;">asrv_TroubledDebtRestructuringModificationsRecordedInvestment</span><span></span></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings', window );">Total non-performing assets including TDR</a></td>
        <td class="nump"><a title="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" onclick="toggleNextSibling(this);">2,917</a><span style="display:none;white-space:normal;text-align:left;">asrv_NonperformingAssetsIncludingTroubleDebtRestructurings</span><span></span></td>
        <td class="nump"><a title="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" onclick="toggleNextSibling(this);">4,109</a><span style="display:none;white-space:normal;text-align:left;">asrv_NonperformingAssetsIncludingTroubleDebtRestructurings</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans', window );">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" onclick="toggleNextSibling(this);">0.35%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" onclick="toggleNextSibling(this);">0.52%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">778</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,632</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">384</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">344</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,239</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">$ 128</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherRealEstate[us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">$ 673</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherRealEstate<br>/ us-gaap_FinancingReceivableTroubledDebtRestructuringAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total non-performing assets including trouble debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_NonperformingAssetsIncludingTroubleDebtRestructurings</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_TroubledDebtRestructuringModificationsRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_TroubledDebtRestructuringModificationsRecordedInvestment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans deemed to be questionable as to collection on which no interest is continuing to be recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the percentage derived from dividing impaired loans on which interest has ceased to be accrued by total loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                    <td><strong> Period Type:</strong></td>
                    <td></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_MortgageLoansOnRealEstateMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                    <td><strong> Period Type:</strong></td>
                    <td></td>
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    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EN6AG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="5">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" onclick="toggleNextSibling(this);">$ 813,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" onclick="toggleNextSibling(this);">$ 683,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract', window );"><strong>401(k) PLAN:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Contributions to charged to operations</a></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanCostRecognized" onclick="toggleNextSibling(this);">387,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanCostRecognized</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanCostRecognized" onclick="toggleNextSibling(this);">327,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanCostRecognized</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch', window );">Employer match percentage</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" onclick="toggleNextSibling(this);">2.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent', window );">Maximum percent of salary</a></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" onclick="toggleNextSibling(this);">3.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent', window );">Contribution for union members</a></td>
        <td class="nump"><a title="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld', window );">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</a></td>
        <td class="nump"><a title="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" onclick="toggleNextSibling(this);">1,100,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plans, Defined Benefit [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours', window );">Minimum number of annual hours</a></td>
        <td class="nump"><a title="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanVestingPeriod', window );">Vesting term</a></td>
        <td class="text">5 years<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets', window );">AmeriServ Financial, Inc. common stock held</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">651,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock', window );">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</a></td>
        <td class="nump"><a title="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock', window );">Percent of plan assets comprised of common stock</a></td>
        <td class="nump"><a title="asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2.40%</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,261,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected return on plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear', window );">Expected contribution in 2015</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 2,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plans, Defined Benefit [Member] | Domestic Equities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations', window );">Target allocation</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">60.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">50.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">60.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plans, Defined Benefit [Member] | Fixed Income Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">40.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_DebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">50.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_DebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr>
        <td colspan="6"></td>
      </tr>
      <tr>
        <td colspan="6">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Amounts in parentheses indicate credits.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[2]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage of assets comprised of common stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanVestingPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Vesting Period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedBenefitPlanVestingPeriod</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of union employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of employer securities or securities of parties related to the employer that are included in plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (n)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to gain (loss) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of employer's best estimate of contributions expected to be paid to the plan during the next fiscal year beginning after the date of the latest statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation maximum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation minimum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract</td>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the cost recognized during the period for defined contribution plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedContributionPlanCostRecognized</td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>debit</td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage employer matches of the employee's percentage contribution matched.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</td>
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                    <td>us-gaap_</td>
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                    <td>num:percentItemType</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of employee gross pay the employee may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</td>
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                    <td>us-gaap_</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>LOANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31,</font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 10pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"><strong><font style="font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Loans, net of unearned income</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><br/></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 64%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Balance&#160;at&#160;January&#160;1</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,613</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12,613</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Goodwill&#160;impairment&#160;charge</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(669</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Balance&#160;at&#160;December&#160;31</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,944</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12,613</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EIDCK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">$ 10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">$ 12,571</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">$ 10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">$ 12,571</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">$ 14,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" onclick="toggleNextSibling(this);">(1,323)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" onclick="toggleNextSibling(this);">(2,120)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" onclick="toggleNextSibling(this);">(1,761)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" onclick="toggleNextSibling(this);">467</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" onclick="toggleNextSibling(this);">753</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" onclick="toggleNextSibling(this);">484</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(250)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,100)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(775)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">9,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">9,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">12,571</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(172)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(50)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(345)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">141</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">80</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">138</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">449</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">218</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">438</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">3,262</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">3,262</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,885</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">7,796</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,885</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">7,796</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">9,400</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(708)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(1,777)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(796)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">231</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">481</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">245</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(506)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(1,615)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">(1,053)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,902</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,885</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,902</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,885</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">7,796</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,269</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,269</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,270</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(322)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(139)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(420)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">71</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">122</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">54</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">301</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">8</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,310</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,310</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,269</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">174</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">(121)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">(154)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">(200)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">24</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">70</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">47</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">151</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">70</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">129</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember', window );">Allocation for general risk [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">760</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">760</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">1,414</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">(20)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">219</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">(654)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 760</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of direct write-downs of financing receivables charged against the allowance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember</td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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  <head>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E2GAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Narrative) (Details) (Series E Preferred Stock [Member], USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">1 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Aug. 11, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Shares of stock issued</a></td>
        <td class="nump"><a title="us-gaap_StockIssuedDuringPeriodSharesNewIssues" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Value of stock issued</a></td>
        <td class="nump"><a title="us-gaap_StockIssuedDuringPeriodValueNewIssues" onclick="toggleNextSibling(this);">$ 21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodValueNewIssues</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate</a></td>
        <td class="nump"><a title="us-gaap_PreferredStockDividendRatePercentage" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockDividendRatePercentage</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreferenceValue', window );">Aggregate liquidation preference</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_PreferredStockLiquidationPreferenceValue" onclick="toggleNextSibling(this);">$ 21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockLiquidationPreferenceValue</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MinimumPercentageTierOneCapitalToBeMaintained', window );">Minimum Tier 1 capital required to pay dividends</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_MinimumPercentageTierOneCapitalToBeMaintained" onclick="toggleNextSibling(this);">90.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_MinimumPercentageTierOneCapitalToBeMaintained</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockRedemptionPricePercentage', window );">Redemption price, percent of liquidation amount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_PreferredStockRedemptionPricePercentage" onclick="toggleNextSibling(this);">100.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_PreferredStockRedemptionPricePercentage</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate</a></td>
        <td class="nump"><a title="us-gaap_PreferredStockDividendRatePercentage[us-gaap_RangeAxis=us-gaap_MinimumMember;us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockDividendRatePercentage<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember<br>/ us-gaap_StatementClassOfStockAxis<br>= us-gaap_SeriesEPreferredStockMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum percentage tier one capital to be maintained.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_MinimumPercentageTierOneCapitalToBeMaintained</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Preferred Stock, Redemption, Price Percentage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_PreferredStockRedemptionPricePercentage</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ClassOfStockLineItems</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockDividendRatePercentage</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreferenceValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of the difference between preference in liquidation and the par or stated values of the preferred shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockLiquidationPreferenceValue</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>na</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueNewIssues</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>52
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EEPBG">
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost" onclick="toggleNextSibling(this);">$ 124,316</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost" onclick="toggleNextSibling(this);">$ 140,398</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" onclick="toggleNextSibling(this);">3,279</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI</span><span></span></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" onclick="toggleNextSibling(this);">3,185</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" onclick="toggleNextSibling(this);">(485)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" onclick="toggleNextSibling(this);">(1,605)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">19,840</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">18,187</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" onclick="toggleNextSibling(this);">475</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains</span><span></span></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains" onclick="toggleNextSibling(this);">289</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" onclick="toggleNextSibling(this);">(102)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses</span><span></span></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses" onclick="toggleNextSibling(this);">(688)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">20,213</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">17,788</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">U.S. Agency [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">5,931</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">6,926</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">21</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">35</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(46)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(126)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">5,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">6,835</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">102,888</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">121,480</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">3,197</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">3,129</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(317)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(1,227)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">105,768</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">123,382</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,481</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,671</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">395</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">289</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(50)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(477)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,826</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,483</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">15,497</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">11,992</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">61</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">21</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">(122)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">(252)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">15,436</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">11,761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember', window );">Corporate bonds and other securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,995</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,995</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">6</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(28)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(91)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,973</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,904</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember', window );">Taxable Municipal [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">3,364</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">1,521</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">74</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(24)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="num"><a title="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(120)</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">$ 3,414</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">$ 1,401</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized gains on investments in available-for-sale securities that are recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss before deducting unrealized gain on investments in available-for-sale securities recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a gain position and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGains</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
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                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecurities</td>
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                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EUJAC">
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CHANGE IN BENEFIT OBLIGATION:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit obligation at beginning of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>30,249</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>29,844</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,601</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,703</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,368</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,189</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Actuarial (gain) loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,406</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(757</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Curtailments</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>328</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Special/contractual termination benefits</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefits paid</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,627</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,730</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit obligation at end of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>33,701</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,249</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CHANGE IN PLAN ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Fair value of plan assets at beginning of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>26,288</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>21,368</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Actual return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,056</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,850</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Employer contributions</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,650</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,800</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefits paid</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,627</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,730</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Fair value of plan assets at end of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>27,367</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>26,288</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Funded status of the plan - under funded</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,334</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,961</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>

</table>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock', window );">Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; padding: 0px; text-indent: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" nowrap="nowrap" colspan="6"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; padding: 0px; text-indent: 10px; background-color: #cceeff;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">NET PERIODIC PENSION COST:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"></td>
<td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;" colspan="6" nowrap="nowrap"><br/></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amounts recognized in accumulated other comprehensive loss consists of:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Prior service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net actuarial loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,596</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,107</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,596</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,088</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock', window );">Schedule of Accumulated Benefit Obligation</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">ACCUMULATED BENEFIT OBLIGATION:</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accumulated benefit obligation</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>30,914</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>27,566</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock', window );">Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">WEIGHTED AVERAGE ASSUMPTIONS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Discount rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salary scale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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</table>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Schedule of Components of Net Periodic Benefit Cost</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">COMPONENTS OF NET PERIODIC BENEFIT COST:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,601</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,703</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,593</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,368</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,189</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,234</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,991</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,775</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,656</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of prior year service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of transition asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(17</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Special termination benefit liability</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net actuarial loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,181</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,375</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,094</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net periodic pension cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,516</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,465</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,229</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
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</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">OTHER&#160;CHANGES&#160;IN&#160;PLAN&#160;ASSETS&#160;AND&#160;BENEFIT&#160;OBLIGATIONS&#160;RECOGNIZED&#160;IN&#160;OTHER&#160;COMPREHENSIVE&#160;LOSS</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net (gain) loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,669</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,832</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,376</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,181</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,375</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,094</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized prior service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net initial asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>17</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total&#160;&#160;recognized in other comprehensive loss before tax effect</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,507</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4,180</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,318</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total recognized in net benefit cost and other comprehensive loss before tax effect</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,715</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,547</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock', window );">Schedule of Weighted-Average Assumptions Used to Determine Net Periodic Benefit Cost</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">WEIGHTED AVERAGE ASSUMPTIONS:</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Discount rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.75</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Rate of compensation increase</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock', window );">Schedule of Plan's Asset Allocations</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">ASSET CATEGORY:</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Domestic equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Mutual funds/ETFs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>80</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>79</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">International equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
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      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock', window );">Schedule of Assets Measured at Fair Value</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="8" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Level 1:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6"></td>
<td style="font-family: 'Times New Roman';"></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>639</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Domestic equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,753</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,741</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">International equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>851</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,478</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Mutual funds/ETFs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>21,782</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,744</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Level 2:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,342</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,325</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total fair value of plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>27,367</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>26,288</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock', window );">Schedule of Estimated Future Benefit Payments</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"><font style="font-size: 8pt;">YEAR</font>:</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ESTIMATED FUTURE &#160;BENEFIT PAYMENTS</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 87%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,939</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,472</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,752</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2018</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,434</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2019</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,573</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Years 2020 - 2024</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>16,419</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div><span></span></td>
      </tr>
    </table>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the net periodic benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Fair Value Of Plan Assets [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of benefit obligations including accumulated benefit obligation and projected benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                <p>Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans.  This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Tabular disclosure of the amounts related to pension plans and/or other employee benefit plans in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost over the next fiscal year, including the net gain (loss), net prior service cost or credit, and net transition asset or obligation.</p>
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                <p>Tabular disclosure of the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) during the period.</p>
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                <p>Tabular disclosure of one or more of the entity's defined benefit pension plans or one or more other defined benefit postretirement plans, separately for pension plans and other postretirement benefit plans including the entity's schedule of fair value of plan assets for defined benefit or other postretirement plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter.</p>
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                <p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">1.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">BUSINESS AND NATURE OF OPERATIONS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates <font>17</font> banking locations in <font>five</font> southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $<font>1.8</font> billion that are not recognized on the Company's Consolidated Balance Sheet at December 31, 2014.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">PRINCIPLES OF CONSOLIDATION:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company's most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">INVESTMENT SECURITIES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Securities are classified at the time of purchase as investment securities held to maturity if it is management's intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company's books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management's intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company's asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders' equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security's performance, the creditworthiness of the issuer and the Company's intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">FEDERAL HOME LOAN BANK STOCK:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $<font>100</font> par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">LOANS:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become <font>90</font> days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">LOAN FEES:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">LOANS HELD FOR SALE:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 13.5pt;"><font style="font-size: 10pt;">TRANSFERS OF FINANCIAL ASSETS</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">PREMISES AND EQUIPMENT:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to <font>30</font> years for buildings and up to <font>10</font> years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</font></p>
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<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">Review of all criticized, classified and impaired loans with aggregate balances over $<font>250,000</font> to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan's performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan's effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</font></td>
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<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company's three-year historical average of actual loan net charge-offs experienced in each of those categories.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company's policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $<font>250,000</font> within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $<font>250,000</font> or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">TRUST FEES:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">BANK-OWNED LIFE INSURANCE:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INTANGIBLE ASSETS:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">Goodwill</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.4pt;"><font style="font-size: 10pt;">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">EARNINGS PER COMMON SHARE:</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase <font>3,625</font>, <font>103,570</font>, and <font>49,842</font> shares of common stock were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $<font>4.60</font>&#160;- $<font>5.22</font>, $<font>3.05</font>&#160;- $<font>5.75</font>, and $<font>2.80</font>&#160;- $<font>5.75</font> during 2014, 2013 and 2012, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</font></p>

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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></td>
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</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"><font style="font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Preferred stock dividends</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>210</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>209</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>828</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Net income available to common shareholders</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,813</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,984</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,211</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Denominator:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (basic)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,793</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>18,942</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,685</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Effect of stock options</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>115</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>92</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>62</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (diluted)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,908</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,034</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,747</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Earnings per common share:</strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Diluted</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><br/></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">STOCK-BASED COMPENSATION:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $<font>42,000</font>, $<font>82,000</font> and $<font>38,000</font> of pretax compensation expense for the years 2014, 2013 and 2012. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">ACCUMULATED OTHER COMPREHENSIVE LOSS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in;"><br/></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">CONSOLIDATED STATEMENT OF CASH FLOWS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $<font>1,063,000</font> in income tax payments in 2014; $<font>137,000</font> in 2013; and $<font>142,000</font> in 2012. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $<font>660,000</font> in 2014; $<font>766,000</font> in 2013; and $<font>1,266,000</font> in 2012. The Company made total interest payments of $<font>6,475,000</font> in 2014; $<font>6,781,000</font> in 2013; and $<font>8,154,000</font> in 2012.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INCOME TAXES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INTEREST RATE CONTRACTS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &#147;Other Comprehensive Income,&#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;">PENSION:</h5>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company's pension obligations and future expense. Our pension benefits are described further in Note 12 of the Notes to Consolidated Financial Statements.</p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;">FAIR VALUE OF FINANCIAL INSTRUMENTS:</h5>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level I&#160;&#151;&#160;Valuation is based upon quoted prices for identical instruments traded in active markets.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level II&#160;&#151;&#160;Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level III&#160;&#151;&#160;Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the asset.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.</p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">RECENT ACCOUNTING STANDARDS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">In January 2014, the FASB issued ASU 2014-04, <i>Receivables &#150; Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. </i>The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction<i>.</i> The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company's financial statements.</font></p>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKLAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="5">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Unrealized gains and losses on sale of securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Net realized gains on available for sale securities</a></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">$ (177)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">$ (204)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">$ (12)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Provision for income taxes</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">60</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">69</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">4</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent', window );">Net of tax</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(117)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(135)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Amortization of defined benefit items</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Recognized net actuarial loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" onclick="toggleNextSibling(this);">813</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" onclick="toggleNextSibling(this);">683</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit', window );">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" onclick="toggleNextSibling(this);">(14)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" onclick="toggleNextSibling(this);">(10)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation', window );">Transition asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" onclick="toggleNextSibling(this);">(4)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Pretax income</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" onclick="toggleNextSibling(this);">799</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" onclick="toggleNextSibling(this);">669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax', window );">Provision for income taxes</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" onclick="toggleNextSibling(this);">(272)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" onclick="toggleNextSibling(this);">(228)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" onclick="toggleNextSibling(this);">527</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" onclick="toggleNextSibling(this);">441</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Total reclassifications for the period</a></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" onclick="toggleNextSibling(this);">$ 410</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" onclick="toggleNextSibling(this);">$ 306</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr>
        <td colspan="6"></td>
      </tr>
      <tr>
        <td colspan="6">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Amounts in parentheses indicate credits.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[2]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[3]</td>
              <td style="vertical-align: top;" valign="top">Amounts in parentheses indicate debits on the Consolidated Balance Sheets.</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amounts Reclassified From Accumulated Other Comprehensive Income Loss</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to transition obligation (asset) expected to be recognized as components of net periodic benefit cost (credit) for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to gain (loss) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to prior service cost (credit) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>Amount after tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EFKBK">
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          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" onclick="toggleNextSibling(this);">$ 1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</span><span></span></td>
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        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" onclick="toggleNextSibling(this);">14,626</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" onclick="toggleNextSibling(this);">17,838</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" onclick="toggleNextSibling(this);">56,783</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" onclick="toggleNextSibling(this);">34,069</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" onclick="toggleNextSibling(this);">124,316</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" onclick="toggleNextSibling(this);">2.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" onclick="toggleNextSibling(this);">1.96%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" onclick="toggleNextSibling(this);">2.46%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" onclick="toggleNextSibling(this);">2.66%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" onclick="toggleNextSibling(this);">2.56%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" onclick="toggleNextSibling(this);">2.52%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYield</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" onclick="toggleNextSibling(this);">1,013</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" onclick="toggleNextSibling(this);">14,675</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" onclick="toggleNextSibling(this);">18,116</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" onclick="toggleNextSibling(this);">58,141</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" onclick="toggleNextSibling(this);">35,165</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" onclick="toggleNextSibling(this);">2,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" onclick="toggleNextSibling(this);">1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" onclick="toggleNextSibling(this);">3,810</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" onclick="toggleNextSibling(this);">1,162</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" onclick="toggleNextSibling(this);">11,868</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">19,840</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">18,187</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" onclick="toggleNextSibling(this);">1.35%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" onclick="toggleNextSibling(this);">1.67%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" onclick="toggleNextSibling(this);">2.67%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" onclick="toggleNextSibling(this);">3.27%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" onclick="toggleNextSibling(this);">3.66%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" onclick="toggleNextSibling(this);">3.11%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYield</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" onclick="toggleNextSibling(this);">1,991</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" onclick="toggleNextSibling(this);">981</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" onclick="toggleNextSibling(this);">3,799</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" onclick="toggleNextSibling(this);">1,140</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" onclick="toggleNextSibling(this);">12,302</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">20,213</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">17,788</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">U.S. Agency [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">4,931</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">5,931</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">2.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">1.38%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">1.48%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYield<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">1,013</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">4,893</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">5,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">6,835</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">1,696</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">10,340</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">56,783</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">34,069</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">102,888</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">4.46%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2.74%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2.66%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2.56%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2.66%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYield<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">1,791</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">10,671</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">58,141</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="nump"><a title="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">35,165</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">105,768</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">123,382</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2,959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">9,522</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,481</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,671</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2.40%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">3.45%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYield[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">3.20%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYield<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2,931</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">9,895</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,826</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">12,483</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">7,999</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">7,498</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">15,497</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">1.75%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">2.05%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump"><a title="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">1.90%</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYield<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">7,991</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">7,445</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">15,436</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">11,761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember', window );">Corporate bonds and other securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">2,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">851</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1,162</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">2,346</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">7,359</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1.35%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1.67%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">3.63%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">3.27%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">4.49%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump"><a title="asrv_HeldToMaturitySecuritiesDebtMaturitiesYield[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">2.96%</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYield<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1,991</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">981</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">868</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">1,140</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump"><a title="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">2,407</a><span style="display:none;white-space:normal;text-align:left;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_DebtSecurityAxis=asrv_CorporateBondsAndOtherSecuritiesMember]" onclick="toggleNextSibling(this);">$ 7,387</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_DebtSecurityAxis<br>= asrv_CorporateBondsAndOtherSecuritiesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years amortized cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYield</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years net carrying amount.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the tenth fiscal year through the fifteenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the tenth through fifteenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYield</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecurities</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of held-to-maturity debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the fifth through tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of held-to-maturity debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of held-to-maturity debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
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<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock', window );">Schedule of Balances and Advances</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>MATURING</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b>WEIGHTED</b></font><br/><font style="font-size: 8pt;"><b>AVERAGE YIELD</b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="5" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>BALANCE</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b></b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>0.52</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>4,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.81</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.06</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.51</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2019</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.88</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total advances from FHLB</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.12</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong><font>42,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>MATURING</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>WEIGHTED</strong></font><br/><font style="font-size: 8pt;"><strong>AVERAGE YIELD</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong>BALANCE</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'Times New Roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>0.52</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>4,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.81</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1.07</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1.47</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
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<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.89</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><font>25,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;">&#160;</font></td>
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                <p>Tabular disclosure of advances by federal home loan bank by branch.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS<br></strong></div>
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          <div>Dec. 31, 2014</div>
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<td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">21.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">DERIVATIVE HEDGING INSTRUMENTS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table summarizes the interest rate swap transactions that impacted the Company's 2013 performance:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">START DATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;&#160;&#160;</strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">MATURITY </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">DATE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;&#160;&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">HEDGE TYPE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">NOTIONAL </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RECEIVED</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PAID</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">REPRICING </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FREQUENCY</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INCREASE</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> (DECREASE)&#160; IN</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> INTEREST</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXPENSE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">12/12/08</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">09/24/13</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,000,000</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.25</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">MONTHLY</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12.5%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>165,488</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">12/12/08</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">09/24/13</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.25</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $<font>500</font> million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board.</font></p>
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                <p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p>
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          <div style="width: 200px;"><strong>INTANGIBLE ASSETS<br></strong></div>
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<td style="text-align: left; font-family: 'times new roman'; width: 2%;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">20.</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company's Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite life and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company's goodwill of $<font>11.9</font> million, $<font>9.5</font> million is allocated to the retail banking segment and $<font>2.4</font> million relates to the WCCA acquisition which is included in the trust segment. In the third quarter of 2014, the Company performed a goodwill impairment test and determined that the fair value of WCCA was less than its carrying value and, accordingly, recorded an impairment charge of $<font>669,000</font>. The goodwill impairment charge was the result of a reduction in earnings power caused by the departure of WCCA's former CEO and subsequent loss of a meaningful number of clients. A reconciliation of the Company's goodwill follows (in thousands):</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><br/></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 64%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Balance&#160;at&#160;January&#160;1</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,613</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 15%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12,613</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Goodwill&#160;impairment&#160;charge</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(669</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Balance&#160;at&#160;December&#160;31</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,944</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;border-bottom-width: 2.8pt !important;border-bottom-style: double !important;border-bottom-color: rgb(0, 0, 0) !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12,613</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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                <p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16373-109275<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br></p>
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2014</div>
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                <p>For defined benefit pension plans, the actuarial present value of benefits (whether vested or nonvested) attributed by the pension benefit formula to employee service rendered before a specified date and based on employee service and compensation (if applicable) before that date. The accumulated benefit obligation differs from the projected benefit obligation in that it includes no assumption about future compensation levels. For plans with flat-benefit or nonpay-related pension benefit formulas, the accumulated benefit obligation and the projected benefit obligation are the same.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503844<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Balance Sheets</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">BALANCE SHEETS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AT DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2014</font></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> </font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">ASSETS</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term investments in money market funds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,784</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,561</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities available for sale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,714</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11,909</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity investment in banking subsidiary</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100,473</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>99,250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity investment in non-banking subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,685</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,321</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Guaranteed junior subordinated deferrable interest debenture issuance costs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>209</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>224</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,698</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,352</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL ASSETS</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>128,663</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>127,717</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">LIABILITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Guaranteed junior subordinated deferrable interest debentures</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>13,085</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>13,085</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other liabilities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,171</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,325</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL LIABILITIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,410</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STOCKHOLDERS' EQUITY</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total stockholders' equity</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>114,407</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>113,307</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>128,663</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>127,717</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Statements of Operations</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STATEMENTS OF OPERATIONS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INCOME</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Inter-entity management and other fees</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,432</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,355</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,355</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Dividends from banking subsidiary</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,500</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,500</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Dividends from non-banking subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>870</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>675</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>710</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest and dividend income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>262</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>243</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>306</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,064</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,773</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11,371</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">EXPENSE</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,121</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,121</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,121</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,576</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,502</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,368</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,996</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,608</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,582</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL EXPENSE</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,693</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,071</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED&#160;&#160;EARNINGS OF SUBSIDIARIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(629</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,542</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,300</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,020</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>895</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>819</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity in undistributed earnings of subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,632</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>756</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,080</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">COMPREHENSIVE INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,996</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,697</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,320</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Statements of Cash Flows</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STATEMENTS OF CASH FLOWS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellspacing="0" cellpadding="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%;">

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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="10"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>2014</b></font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b></b></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"></td>
<td style="font-family: 'Times New Roman'; width: 20px;"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">OPERATING ACTIVITIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Adjustment to reconcile net income to net cash (used in) provided by operating activities:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity in undistributed earnings of subsidiaries</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,632</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(756</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,080</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Stock compensation expense</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>42</font></strong></font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>82</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>38</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other <font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;">&#150;</font>&#160;net</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(505</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(718</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(989</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(72</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,801</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,168</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INVESTING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Purchase of investment securities &#150; available for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,027</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,885</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,077</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Proceeds from maturity of investment securities &#150; available for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,284</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,506</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,809</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>257</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,379</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>732</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
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</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Purchase of treasury stock</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,171</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4,417</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Preferred stock dividends paid</font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(210</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(209</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(828</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Common stock dividends paid</font></td>
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<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(752</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(566</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH USED IN FINANCING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(962</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,946</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,245</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
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<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(777</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>476</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,655</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CASH AND CASH EQUIVALENTS AT JANUARY 1</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,661</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,185</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,530</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CASH AND CASH EQUIVALENTS AT DECEMBER 31</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,884</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,661</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,185</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING</strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
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<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
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<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">U.S. Agency securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>TOTAL</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 1)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 2)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 3)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"><font style="font-size: 10pt;">U.S. Agency securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Schedule of Assets Measured at Fair Value on Non-Recurring Basis</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>TOTAL</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 1)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 2)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 3)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>

<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>TOTAL</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 1)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 2)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 3)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><br/></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;"></font><br/></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>December 31, 2014</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Quantitative Information About Level 3 Fair Value Measurements</strong></font></td>
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<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Fair Value</strong><br/></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Valuation&#160;Techniques</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Unobservable Input</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Range(Wgtd Ave)</strong></font></td>
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<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 35%; background-color: #ffffff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>0</font>% to <font>37</font>%(<font>30</font>%)</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>15</font>%(<font>10</font>%)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1),(3)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"><font>47</font>% to <font>83</font>%(<font>55</font>%)</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>61</font>%(<font>9</font>%)</font></td>
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</table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>December 31, 2013</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Quantitative Information About Level 3 Fair Value Measurements</strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"> </font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Fair Value</strong><br/></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Valuation Techniques</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Unobservable Input</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Range(Wgtd Ave)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 35%; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>0</font>% to <font>37</font>%(<font>30</font>%)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>15</font>%(<font>10</font>%)</font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1),(3)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"><font>31</font>% to <font>48</font>%(<font>38</font>%)</font></td>
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<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>20</font>%(<font>10</font>%)</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: left; text-indent: -0.25in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</font></td>
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<td style="text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</font></td>
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<td style="text-align: left; font-family: 'times new roman';">Includes qualitative adjustments by management and estimated liquidation expenses.</td>
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                <p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SEGMENT RESULTS<br></strong></div>
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          <div>Dec. 31, 2014</div>
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<td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">22.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">SEGMENT RESULTS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company's major business units include retail banking, commercial banking, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and CRE&#160;loans. The trust segment contains our wealth management businesses which include the Trust Company, WCCA, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The contribution of the major business segments to the Consolidated Results of Operations were as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>YEAR ENDED DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong> </strong></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><b>RETAIL&#160;</b><b>BANKING</b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong>&#160;</strong></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> COMMERCIAL&#160;BANKING </font></strong></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; TRUST </font></strong></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> INVESTMENT/ PARENT </font></strong></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><strong>&#160;</strong></strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong><b>TOTAL</b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><strong>&#160;</strong></strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><b></b></strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>20,141</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>16,777</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>47</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,921</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34,044</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for loan loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>57</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>318</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,633</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>381</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8,118</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>191</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14,323</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>22,531</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,868</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,967</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,005</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>43,371</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,186</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,972</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,198</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5,735</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,621</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>958</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,819</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>634</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,813</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,228</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,153</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>564</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,922</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376,009</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>563,690</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,015</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>144,549</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-indent: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,089,263</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RETAIL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">COMMERCIAL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TRUST</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INVESTMENT/ </font></strong><strong><font style="font-family: 'times new roman', times;">PARENT</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TOTAL</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,223</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15,687</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>35</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,084</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>32,861</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Credit provision for loan loss</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(92</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,008</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,512</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>642</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,391</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>199</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15,744</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>22,870</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,148</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,605</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,600</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>42,223</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,957</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,189</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,821</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,485</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,482</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,165</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,166</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>619</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,661</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,792</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,023</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,202</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,824</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>347,823</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>545,556</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,722</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>157,935</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,056,036</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<div>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31, 2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RETAIL&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">BANKING</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> COMMERCIAL&#160;BANKING </font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"> &#160; <strong>TRUST </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INVESTMENT/</font></strong><strong><font style="font-family: 'times new roman', times;">PARENT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">TOTAL</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><br/></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS)</font></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 50%; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,585</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,499</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>35</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,916</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 10%; text-align: right; vertical-align: bottom;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>32,203</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Credit provision for loan loss</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(160</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(615</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(775</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,565</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>585</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,784</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,943</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Non-interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>22,802</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,970</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,387</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,482</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,641</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income (loss) before income taxes</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,508</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,729</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,432</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,389</font></font></td>
<td style="white-space: nowrap; padding: 0px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>7,280</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense (benefit)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,358</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,044</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>487</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,648</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income (loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,150</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,685</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>945</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,741</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>336,241</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>497,331</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,429</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>162,990</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,000,991</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>REGULATORY CAPITAL<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">REGULATORY CAPITAL</a></td>
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<td style="width: 16.6pt; text-align: left; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">23.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">REGULATORY CAPITAL</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2014 and 2013, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company's tangible common equity ratio was <font>7.56</font>% and <font>7.64</font>% for 2014 and 2013, respectively.</font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="22" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AS OF DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b></font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b> </b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>ACTUAL</b></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>FOR CAPITAL</b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>ADEQUACY</b> </font><br/><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>PURPOSES</b></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> TO&#160;BE&#160;WELL<br/>CAPITALIZED&#160;UNDER<br/>PROMPT&#160;CORRECTIVE<br/>ACTION&#160;PROVISIONS </font></strong></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATIO</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
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<td colspan="22" style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS, EXCEPT RATIOS)</font></td>
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<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"><font style="font-size: 10pt; font-family: 'times new roman', times;">Total Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>131,497</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14.80</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>71,066</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>88,833</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>106,084</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12.07</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>70,305</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>87,881</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>120,992</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>13.62</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>35,533</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>53,300</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>95,579</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10.88</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>35,153</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>52,729</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Average Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>120,992</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11.34</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>42,662</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>53,327</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>95,579</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9.19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>41,608</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>52,010</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AS OF DECEMBER 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';" colspan="6" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><br/> <br/> <br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ACTUAL</font></strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FOR CAPITAL </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ADEQUACY </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PURPOSES</font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> TO&#160;BE&#160;WELL<br/>CAPITALIZED&#160;UNDER<br/>PROMPT&#160;CORRECTIVE<br/>ACTION&#160;PROVISIONS </font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATIO</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;">(IN THOUSANDS, EXCEPT RATIOS)</font></font></td>
<td style="font-family: 'Times New Roman';"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><br/></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0px; width: 46%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>128,469</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>15.28</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>67,247</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 7%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>84,059</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; text-align: right; vertical-align: bottom; width: 5%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>103,009</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>12.39</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>66,506</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>83,132</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tier 1 Capital (To Risk Weighted Assets) Consolidated</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>117,957</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14.03</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33,624</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>50,435</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>92,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11.14</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>49,879</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="font-family: 'times new roman'; padding: 0px; text-indent: 0;"><font style="font-size: 10pt; font-family: 'times new roman', times;">Tier 1 Capital (To Average Assets) Consolidated</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>117,957</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11.45</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,204</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>51,505</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">AmeriServ Financial Bank</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>92,611</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9.23</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,124</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>50,155</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify; text-indent: -16.6pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;&#160;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">On July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&amp;A.</font></p>
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                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EUIAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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          <div>Dec. 31, 2013</div>
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          <div>Dec. 31, 2012</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 3,023,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,193,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,039,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,100,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(775,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherDepreciationAndAmortization', window );">Depreciation and amortization expense</a></td>
        <td class="nump"><a title="us-gaap_OtherDepreciationAndAmortization" onclick="toggleNextSibling(this);">1,836,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherDepreciationAndAmortization</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherDepreciationAndAmortization" onclick="toggleNextSibling(this);">1,683,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherDepreciationAndAmortization</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherDepreciationAndAmortization" onclick="toggleNextSibling(this);">1,523,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherDepreciationAndAmortization</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of investment securities</a></td>
        <td class="nump"><a title="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" onclick="toggleNextSibling(this);">385,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" onclick="toggleNextSibling(this);">755,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" onclick="toggleNextSibling(this);">1,124,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Net realized gains on investment securities - available for sale</a></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">(177,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">(204,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfInvestments" onclick="toggleNextSibling(this);">(12,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfInvestments</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Net gains on loans held for sale</a></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfLoansAndLeases" onclick="toggleNextSibling(this);">(748,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfLoansAndLeases</span><span></span></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfLoansAndLeases" onclick="toggleNextSibling(this);">(1,089,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfLoansAndLeases</span><span></span></td>
        <td class="num"><a title="us-gaap_GainLossOnSaleOfLoansAndLeases" onclick="toggleNextSibling(this);">(1,132,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfLoansAndLeases</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Amortization of deferred loan fees</a></td>
        <td class="num"><a title="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" onclick="toggleNextSibling(this);">(262,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</span><span></span></td>
        <td class="num"><a title="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" onclick="toggleNextSibling(this);">(304,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</span><span></span></td>
        <td class="num"><a title="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" onclick="toggleNextSibling(this);">(240,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale', window );">Origination of mortgage loans held for sale</a></td>
        <td class="num"><a title="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">(51,481,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">(60,826,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">(76,688,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale', window );">Sales of mortgage loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">50,580,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">69,089,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" onclick="toggleNextSibling(this);">74,354,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Decrease (increase) in accrued interest receivable</a></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" onclick="toggleNextSibling(this);">(219,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" onclick="toggleNextSibling(this);">52,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" onclick="toggleNextSibling(this);">256,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">Decrease in accrued interest payable</a></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInInterestPayableNet" onclick="toggleNextSibling(this);">(78,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInInterestPayableNet</span><span></span></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInInterestPayableNet" onclick="toggleNextSibling(this);">(299,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInInterestPayableNet</span><span></span></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInInterestPayableNet" onclick="toggleNextSibling(this);">(440,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInInterestPayableNet</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherBankOwnedLifeInsuranceIncome', window );">Earnings on bank-owned life insurance</a></td>
        <td class="num"><a title="asrv_OtherBankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">(748,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherBankOwnedLifeInsuranceIncome</span><span></span></td>
        <td class="num"><a title="asrv_OtherBankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">(811,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherBankOwnedLifeInsuranceIncome</span><span></span></td>
        <td class="num"><a title="asrv_OtherBankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">(863,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherBankOwnedLifeInsuranceIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income taxes</a></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">562,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,150,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,101,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock compensation expense</a></td>
        <td class="nump"><a title="us-gaap_StockOptionPlanExpense" onclick="toggleNextSibling(this);">66,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockOptionPlanExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockOptionPlanExpense" onclick="toggleNextSibling(this);">88,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockOptionPlanExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockOptionPlanExpense" onclick="toggleNextSibling(this);">41,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockOptionPlanExpense</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment charge</a></td>
        <td class="nump"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">669,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidExpense', window );">Decrease in prepaid Federal Deposit Insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInPrepaidExpense" onclick="toggleNextSibling(this);">1,444,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInPrepaidExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInPrepaidExpense" onclick="toggleNextSibling(this);">370,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInPrepaidExpense</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Other, net</a></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInOtherOperatingAssets" onclick="toggleNextSibling(this);">1,179,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</span><span></span></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInOtherOperatingAssets" onclick="toggleNextSibling(this);">(967,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</span><span></span></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInOtherOperatingAssets" onclick="toggleNextSibling(this);">(1,446,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">4,962,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">14,854,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">3,212,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchase of investment securities - available for sale</a></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" onclick="toggleNextSibling(this);">(12,218,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" onclick="toggleNextSibling(this);">(50,125,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" onclick="toggleNextSibling(this);">(34,199,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Purchase of investment securities - held to maturity</a></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" onclick="toggleNextSibling(this);">(3,093,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireHeldToMaturitySecurities</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" onclick="toggleNextSibling(this);">(8,942,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireHeldToMaturitySecurities</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" onclick="toggleNextSibling(this);">(4,987,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireHeldToMaturitySecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">22,900,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">43,307,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">59,800,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities', window );">Proceeds from maturities of investment securities - held to maturity</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" onclick="toggleNextSibling(this);">1,390,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" onclick="toggleNextSibling(this);">4,425,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" onclick="toggleNextSibling(this);">3,518,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">5,242,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">11,185,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">4,221,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PaymentsToAcquireRegulatoryStock', window );">Purchase of regulatory stock</a></td>
        <td class="num"><a title="asrv_PaymentsToAcquireRegulatoryStock" onclick="toggleNextSibling(this);">(9,817,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_PaymentsToAcquireRegulatoryStock</span><span></span></td>
        <td class="num"><a title="asrv_PaymentsToAcquireRegulatoryStock" onclick="toggleNextSibling(this);">(5,865,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_PaymentsToAcquireRegulatoryStock</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock', window );">Proceeds from redemption of regulatory stock</a></td>
        <td class="nump"><a title="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" onclick="toggleNextSibling(this);">10,446,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" onclick="toggleNextSibling(this);">5,367,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" onclick="toggleNextSibling(this);">1,712,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Long-term loans originated</a></td>
        <td class="num"><a title="us-gaap_PaymentsForProceedsFromLoansAndLeases" onclick="toggleNextSibling(this);">(177,351,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromLoansAndLeases</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForProceedsFromLoansAndLeases" onclick="toggleNextSibling(this);">(205,549,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromLoansAndLeases</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForProceedsFromLoansAndLeases" onclick="toggleNextSibling(this);">(232,685,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForProceedsFromLoansAndLeases</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment', window );">Principal collected on long-term loans</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" onclick="toggleNextSibling(this);">130,476,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" onclick="toggleNextSibling(this);">146,720,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" onclick="toggleNextSibling(this);">182,245,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment', window );">Participations purchased</a></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireLoansHeldForInvestment" onclick="toggleNextSibling(this);">(5,347,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireLoansHeldForInvestment</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireLoansHeldForInvestment" onclick="toggleNextSibling(this);">(12,990,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireLoansHeldForInvestment</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireLoansHeldForInvestment" onclick="toggleNextSibling(this);">(17,492,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireLoansHeldForInvestment</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment', window );">Participations sold</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" onclick="toggleNextSibling(this);">10,810,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" onclick="toggleNextSibling(this);">8,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" onclick="toggleNextSibling(this);">8,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IncreaseDecreaseInShortTermDebtInvesting', window );">Net increase in other short-term loans</a></td>
        <td class="num"><a title="asrv_IncreaseDecreaseInShortTermDebtInvesting" onclick="toggleNextSibling(this);">(3,558,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncreaseDecreaseInShortTermDebtInvesting</span><span></span></td>
        <td class="num"><a title="asrv_IncreaseDecreaseInShortTermDebtInvesting" onclick="toggleNextSibling(this);">(679,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncreaseDecreaseInShortTermDebtInvesting</span><span></span></td>
        <td class="num"><a title="asrv_IncreaseDecreaseInShortTermDebtInvesting" onclick="toggleNextSibling(this);">(300,000)</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncreaseDecreaseInShortTermDebtInvesting</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment', window );">Purchases of premises and equipment</a></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">(1,720,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">(3,004,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">(2,647,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfOtherRealEstate', window );">Proceeds from sale of other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfOtherRealEstate" onclick="toggleNextSibling(this);">946,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfOtherRealEstate</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfOtherRealEstate" onclick="toggleNextSibling(this);">993,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfOtherRealEstate</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfOtherRealEstate" onclick="toggleNextSibling(this);">160,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfOtherRealEstate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLifeInsurancePolicies', window );">Proceeds from life insurance policies</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromLifeInsurancePolicies" onclick="toggleNextSibling(this);">356,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromLifeInsurancePolicies</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(30,894,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(66,301,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
        <td class="num"><a title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">(32,154,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in deposit balances</a></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInDeposits" onclick="toggleNextSibling(this);">15,375,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInDeposits" onclick="toggleNextSibling(this);">18,744,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInDeposits" onclick="toggleNextSibling(this);">19,329,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInDeposits</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net (decrease) increase in other short-term borrowings</a></td>
        <td class="num"><a title="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" onclick="toggleNextSibling(this);">(2,675,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" onclick="toggleNextSibling(this);">25,895,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</span><span></span></td>
        <td class="num"><a title="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" onclick="toggleNextSibling(this);">(105,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings', window );">Principal borrowings on advances from Federal Home Loan Bank</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">17,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">18,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">21,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Principal repayments on advances from Federal Home Loan Bank</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">(6,000,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</span><span></span></td>
        <td class="num"><a title="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">(14,000,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(210,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(209,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" onclick="toggleNextSibling(this);">(828,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock" onclick="toggleNextSibling(this);">(752,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsOfDividendsCommonStock" onclick="toggleNextSibling(this);">(566,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsOfDividendsCommonStock</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfEquity', window );">Purchase of treasury stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForRepurchaseOfEquity" onclick="toggleNextSibling(this);">(1,171,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForRepurchaseOfEquity</span><span></span></td>
        <td class="num"><a title="us-gaap_PaymentsForRepurchaseOfEquity" onclick="toggleNextSibling(this);">(4,417,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PaymentsForRepurchaseOfEquity</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">28,738,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">54,693,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" onclick="toggleNextSibling(this);">20,979,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">2,806,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">3,246,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
        <td class="num"><a title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" onclick="toggleNextSibling(this);">(7,963,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">30,066,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">26,820,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">34,783,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 32,872,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 30,066,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 26,820,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IncreaseDecreaseInShortTermDebtInvesting">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the period of short term debt classified as investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_IncreaseDecreaseInShortTermDebtInvesting</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_OtherBankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Life insurance income not elsewhere specified in the taxonomy earned during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_OtherBankOwnedLifeInsuranceIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PaymentsToAcquireRegulatoryStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cash outflow for the purchase of regulatory stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_PaymentsToAcquireRegulatoryStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Direct Loan Origination Costs<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510860<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 30<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378273&amp;loc=d3e8446-111530<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962437&amp;loc=d3e7402-111529<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723605&amp;loc=d3e8622-111531<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfLoansAndLeases</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeposits</td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInInterestPayableNet</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount of outstanding money paid in advance for goods or services that bring economic benefits for future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherDepreciationAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The other noncash expense, not otherwise specified in the taxonomy, charged against earnings in the period to allocate the cost of tangible and intangible assets over their remaining economic lives.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherDepreciationAndAmortization</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for the origination of mortgages that are held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow (inflow) from acquisition (sale) of Federal Home Loan Bank (FHLBank) stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsForProceedsFromLoansAndLeases</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common and preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfEquity</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt securities classified as available-for-sale securities, because they are not classified as either held-to-maturity securities or trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow through purchase of long-term held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsToAcquireHeldToMaturitySecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with purchasing loans held for investment purposes during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsToAcquireLoansHeldForInvestment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for acquisition of or capital improvements of property, plant and equipment, used to produce goods or deliver services, and not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from a borrowing made from Federal Home Loan Bank.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromLifeInsurancePolicies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow for proceeds from life insurance policies for which the entity is the beneficiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromLifeInsurancePolicies</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from repayments of the balance excluding interest (principal) on loans receivable and leases held for investment purposes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow from the sale or maturity of long-term held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</td>
                  </tr>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from Sales of Loans Held For Investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3461-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of other real estate not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfOtherRealEstate</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for the payment of loan drawn from Federal Home Loan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>The noncash expense that accounts for the value of stock or unit options distributed to employees as compensation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 16.55pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">24.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">PARENT COMPANY FINANCIAL INFORMATION</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0 0 0 16.55pt; */ text-align: justify; text-indent: 0.2in; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:</font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">ASSETS</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term investments in money market funds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,784</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,561</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities available for sale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>11,714</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11,909</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity investment in banking subsidiary</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100,473</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>99,250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity investment in non-banking subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,685</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,321</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Guaranteed junior subordinated deferrable interest debenture issuance costs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>209</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>224</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4,698</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,352</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL ASSETS</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>128,663</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>127,717</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">LIABILITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Guaranteed junior subordinated deferrable interest debentures</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>13,085</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>13,085</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other liabilities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,171</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,325</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL LIABILITIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>14,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,410</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STOCKHOLDERS' EQUITY</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total stockholders' equity</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>114,407</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>113,307</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>128,663</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>127,717</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<div class="CursorPointer"><br/></div>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STATEMENTS OF OPERATIONS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INCOME</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Inter-entity management and other fees</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,432</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,355</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,355</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Dividends from banking subsidiary</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,500</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,500</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Dividends from non-banking subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>870</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>675</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>710</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest and dividend income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>262</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>243</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>306</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,064</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8,773</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>11,371</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">EXPENSE</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,121</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,121</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,121</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,576</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,502</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,368</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,996</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,608</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,582</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">TOTAL EXPENSE</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,693</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,071</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED&#160;&#160;EARNINGS OF SUBSIDIARIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(629</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,542</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,300</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,020</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>895</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>819</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity in undistributed earnings of subsidiaries</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,632</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>756</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,080</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">COMPREHENSIVE INCOME</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,996</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,697</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,320</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">STATEMENTS OF CASH FLOWS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellspacing="0" cellpadding="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%;">

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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="10"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>2014</b></font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b></b></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"></td>
<td style="font-family: 'Times New Roman'; width: 20px;"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'Times New Roman'; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<td style="text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">OPERATING ACTIVITIES</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
<td style="font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,193</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; padding: 0px; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5,039</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Adjustment to reconcile net income to net cash (used in) provided by operating activities:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Equity in undistributed earnings of subsidiaries</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,632</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(756</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,080</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Stock compensation expense</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>42</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>82</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>38</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other <font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;">&#150;</font>&#160;net</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(505</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(718</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(989</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(72</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,801</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,168</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">INVESTING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Purchase of investment securities &#150; available for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,027</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,885</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,077</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Proceeds from maturity of investment securities &#150; available for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,284</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,506</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,809</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>257</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,379</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>732</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCING ACTIVITIES</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Purchase of treasury stock</font></td>
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<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
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<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,171</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4,417</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Preferred stock dividends paid</font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(210</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(209</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(828</font></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Common stock dividends paid</font></td>
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<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(752</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
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<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(566</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET CASH USED IN FINANCING ACTIVITIES</font></td>
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<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(962</font></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
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<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,946</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,245</font></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
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<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(777</font></strong></font></td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>476</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,655</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CASH AND CASH EQUIVALENTS AT JANUARY 1</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,661</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,185</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,530</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CASH AND CASH EQUIVALENTS AT DECEMBER 31</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,884</font></strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,661</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,185</font></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
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<p style="margin: 0pt; orphans: 0; widows: 0; font-family: 'times new roman';"><font style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0 0 0 16.55pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank's capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank's retained net income for the current and preceding two calendar years. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $<font>105,400,000</font> of restricted surplus and retained earnings at December 31, 2014.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 06<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=d3e5283-111683<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 05<br><br> -Paragraph c<br><br> -Article 7<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E6KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MaturitiesOfTimeDepositsAbstract', window );"><strong>OTHER TIME DEPOSITS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2015</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesYearOne" onclick="toggleNextSibling(this);">$ 130,090</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesYearOne</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2016</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesYearTwo" onclick="toggleNextSibling(this);">30,472</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesYearTwo</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2017</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesYearThree" onclick="toggleNextSibling(this);">14,515</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesYearThree</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2018</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesYearFour" onclick="toggleNextSibling(this);">26,424</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesYearFour</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2019</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesYearFive" onclick="toggleNextSibling(this);">12,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesYearFive</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">2020 and after</a></td>
        <td class="nump"><a title="us-gaap_TimeDepositMaturitiesAfterYearFive" onclick="toggleNextSibling(this);">37,033</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDepositMaturitiesAfterYearFive</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump"><a title="us-gaap_TimeDeposits" onclick="toggleNextSibling(this);">250,727</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract', window );"><strong>CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths', window );">2015</a></td>
        <td class="nump"><a title="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" onclick="toggleNextSibling(this);">41,582</a><span style="display:none;white-space:normal;text-align:left;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo', window );">2016</a></td>
        <td class="nump"><a title="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" onclick="toggleNextSibling(this);">8,230</a><span style="display:none;white-space:normal;text-align:left;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree', window );">2017</a></td>
        <td class="nump"><a title="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" onclick="toggleNextSibling(this);">417</a><span style="display:none;white-space:normal;text-align:left;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour', window );">2018</a></td>
        <td class="nump"><a title="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" onclick="toggleNextSibling(this);">200</a><span style="display:none;white-space:normal;text-align:left;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive', window );">2019</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive', window );">2020 and after</a></td>
        <td class="nump"><a title="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" onclick="toggleNextSibling(this);">100</a><span style="display:none;white-space:normal;text-align:left;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">$ 50,529</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">$ 47,287</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, After Year Five.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Next Twelve Months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Five.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Four.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Three.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Two.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_MaturitiesOfTimeDepositsAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFive</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFour</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>instant</td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearOne</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearThree</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearTwo</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TimeDeposits100000OrMore</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EZTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected lives in years</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" onclick="toggleNextSibling(this);">1.30%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">2.43%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.82%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.66%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">28.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">30.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">33.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">1.25%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">2.74%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">2.03%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">2.28%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">29.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">32.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">36.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">1.30%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.D.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section D<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iv)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
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                  <tr>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of Premises and Equipment</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31,</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Land</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>1,198</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>1,208</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Premises</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>24,175</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>25,752</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Furniture and equipment</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,337</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8,912</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Leasehold improvements</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>689</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>803</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total at cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,399</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>36,675</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Less:&#160;Accumulated&#160;depreciation&#160;and&#160;amortization</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>21,387</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>23,556</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Net book value</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>13,012</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13,119</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                <p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>DERIVATIVE HEDGING INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">START DATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;&#160;&#160;</strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">MATURITY </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">DATE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;&#160;&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">HEDGE TYPE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">NOTIONAL </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RECEIVED</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PAID</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">REPRICING </font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FREQUENCY</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">INCREASE</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> (DECREASE)&#160; IN</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> INTEREST</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXPENSE</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">12/12/08</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">09/24/13</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,000,000</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.25</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 12%; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">MONTHLY</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; width: 12.5%; vertical-align: bottom; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>165,488</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">12/12/08</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">09/24/13</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,000,000</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.25</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">MONTHLY</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(165,488</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: center;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1BAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember', window );">Performing [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">$ 276,208</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">$ 250,253</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember', window );">Performing [Member] | Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">257,199</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">234,450</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember', window );">Performing [Member] | Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">19,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">15,803</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PerformingFinancingReceivableMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember', window );">Non-Performing [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">1,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_NonperformingFinancingReceivableMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">1,300</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_NonperformingFinancingReceivableMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember', window );">Non-Performing [Member] | Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">1,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_NonperformingFinancingReceivableMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">1,239</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_NonperformingFinancingReceivableMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember', window );">Non-Performing [Member] | Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableConsumer[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember;us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember]" onclick="toggleNextSibling(this);">$ 61</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableConsumer<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_NonperformingFinancingReceivableMember</span><span></span></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableConsumer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of consumer loans, including, but not limited to, mortgage, home equity, vehicles, credit card, installment, and lease financing. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableConsumer</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EO5AG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks" onclick="toggleNextSibling(this);">$ 23,780</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks" onclick="toggleNextSibling(this);">$ 20,288</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits</a></td>
        <td class="nump"><a title="us-gaap_InterestBearingDepositsInBanks" onclick="toggleNextSibling(this);">2,952</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDepositsInBanks</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestBearingDepositsInBanks" onclick="toggleNextSibling(this);">2,967</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDepositsInBanks</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments" onclick="toggleNextSibling(this);">6,140</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments" onclick="toggleNextSibling(this);">6,811</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">32,872</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to maturity (fair value $20,213 at December 31, 2014 and $17,788 at December 31, 2013)</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">19,840</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">18,187</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleMortgages', window );">Loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleMortgages" onclick="toggleNextSibling(this);">5,051</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleMortgages</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleMortgages" onclick="toggleNextSibling(this);">3,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleMortgages</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" onclick="toggleNextSibling(this);">827,634</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" onclick="toggleNextSibling(this);">783,927</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Less: Unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableDeferredIncome" onclick="toggleNextSibling(this);">554</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableDeferredIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableDeferredIncome" onclick="toggleNextSibling(this);">581</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableDeferredIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">9,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Net loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetReportedAmount" onclick="toggleNextSibling(this);">817,457</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetReportedAmount" onclick="toggleNextSibling(this);">773,242</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentNet" onclick="toggleNextSibling(this);">13,012</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentNet" onclick="toggleNextSibling(this);">13,119</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedInvestmentIncomeReceivable', window );">Accrued interest income receivable</a></td>
        <td class="nump"><a title="us-gaap_AccruedInvestmentIncomeReceivable" onclick="toggleNextSibling(this);">3,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccruedInvestmentIncomeReceivable</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccruedInvestmentIncomeReceivable" onclick="toggleNextSibling(this);">2,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccruedInvestmentIncomeReceivable</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">11,944</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">12,613</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsurance" onclick="toggleNextSibling(this);">37,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsurance</span><span></span></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsurance" onclick="toggleNextSibling(this);">36,669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsurance</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsLiabilitiesNet" onclick="toggleNextSibling(this);">9,548</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsLiabilitiesNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsLiabilitiesNet" onclick="toggleNextSibling(this);">9,572</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsLiabilitiesNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank stock</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankStock" onclick="toggleNextSibling(this);">4,048</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankStock" onclick="toggleNextSibling(this);">4,677</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankStock</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalReserveBankStock', window );">Federal Reserve Bank stock</a></td>
        <td class="nump"><a title="us-gaap_FederalReserveBankStock" onclick="toggleNextSibling(this);">2,125</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalReserveBankStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalReserveBankStock" onclick="toggleNextSibling(this);">2,125</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalReserveBankStock</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump"><a title="us-gaap_OtherAssets" onclick="toggleNextSibling(this);">5,712</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherAssets" onclick="toggleNextSibling(this);">7,478</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Non-interest bearing deposits</a></td>
        <td class="nump"><a title="us-gaap_NoninterestBearingDepositLiabilities" onclick="toggleNextSibling(this);">167,551</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestBearingDepositLiabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestBearingDepositLiabilities" onclick="toggleNextSibling(this);">154,002</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestBearingDepositLiabilities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Interest bearing deposits</a></td>
        <td class="nump"><a title="us-gaap_InterestBearingDepositLiabilities" onclick="toggleNextSibling(this);">702,330</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDepositLiabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestBearingDepositLiabilities" onclick="toggleNextSibling(this);">700,520</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestBearingDepositLiabilities</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump"><a title="us-gaap_Deposits" onclick="toggleNextSibling(this);">869,881</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Deposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_Deposits" onclick="toggleNextSibling(this);">854,522</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Deposits</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">Short-term borrowings</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" onclick="toggleNextSibling(this);">38,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesLongTerm" onclick="toggleNextSibling(this);">42,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesLongTerm" onclick="toggleNextSibling(this);">25,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtAndCapitalLeaseObligations', window );">Total borrowed funds</a></td>
        <td class="nump"><a title="us-gaap_DebtAndCapitalLeaseObligations" onclick="toggleNextSibling(this);">93,965</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtAndCapitalLeaseObligations</span><span></span></td>
        <td class="nump"><a title="us-gaap_DebtAndCapitalLeaseObligations" onclick="toggleNextSibling(this);">79,640</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtAndCapitalLeaseObligations</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities" onclick="toggleNextSibling(this);">11,010</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities" onclick="toggleNextSibling(this);">8,567</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump"><a title="us-gaap_Liabilities" onclick="toggleNextSibling(this);">974,856</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_Liabilities" onclick="toggleNextSibling(this);">942,729</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2014 and 2013</a></td>
        <td class="nump"><a title="us-gaap_PreferredStockValue" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_PreferredStockValue" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockValue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,412,007 shares issued and 18,794,888 shares outstanding on December 31, 2014; 26,402,007 shares issued and 18,784,188 shares outstanding on December 31, 2013</a></td>
        <td class="nump"><a title="us-gaap_CommonStockValue" onclick="toggleNextSibling(this);">264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockValue" onclick="toggleNextSibling(this);">264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockValue</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock at cost, 7,617,819 shares on December 31, 2014 and 2013</a></td>
        <td class="num"><a title="us-gaap_TreasuryStockValue" onclick="toggleNextSibling(this);">(74,829)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockValue</span><span></span></td>
        <td class="num"><a title="us-gaap_TreasuryStockValue" onclick="toggleNextSibling(this);">(74,829)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockValue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Capital surplus</a></td>
        <td class="nump"><a title="us-gaap_AdditionalPaidInCapitalCommonStock" onclick="toggleNextSibling(this);">145,256</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AdditionalPaidInCapitalCommonStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_AdditionalPaidInCapitalCommonStock" onclick="toggleNextSibling(this);">145,190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AdditionalPaidInCapitalCommonStock</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump"><a title="us-gaap_RetainedEarningsAccumulatedDeficit" onclick="toggleNextSibling(this);">29,618</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RetainedEarningsAccumulatedDeficit</span><span></span></td>
        <td class="nump"><a title="us-gaap_RetainedEarningsAccumulatedDeficit" onclick="toggleNextSibling(this);">27,557</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RetainedEarningsAccumulatedDeficit</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss, net</a></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">(6,902)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">(5,875)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">TOTAL STOCKHOLDERS' EQUITY</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">114,407</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">113,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity" onclick="toggleNextSibling(this);">$ 1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity" onclick="toggleNextSibling(this);">$ 1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedInvestmentIncomeReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccruedInvestmentIncomeReceivable</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapitalCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapitalCommonStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Assets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (aa)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndDueFromBanks</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtAndCapitalLeaseObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13,16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtAndCapitalLeaseObligations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Deposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 470<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 325<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalReserveBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 325<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalReserveBankStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Goodwill</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (f)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestBearingDepositsInBanks</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20, 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13, 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_JuniorSubordinatedNotes</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Liabilities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LiabilitiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -Subparagraph (a)(4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496975&amp;loc=d3e45377-112738<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableDeferredIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleMortgages">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount classified as mortgage loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 948<br><br><br><br> -SubTopic 310<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490309&amp;loc=d3e48678-111004<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Permanent Investor<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520390<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansHeldForSaleMortgages</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_MarketableSecuritiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestBearingDepositLiabilities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1(g))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph g<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherShortTermInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br><br><br><br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
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          <div>Dec. 31, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="18" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>At December 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Carrying<br/> Value</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="8"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities - AFS</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>127,110</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities &#150; HTM</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>17,241</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,972</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Regulatory stock</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans held for sale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,051</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans, net of allowance for loan loss and unearned income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>817,457</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>819,935</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>819,935</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest income receivable</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Bank owned life insurance</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with no stated maturities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with stated maturities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>301,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>304,744</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>304,744</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term borrowings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">All other borrowings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>55,085</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>59,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>59,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest payable</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">At December 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Carrying &#160;</font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Value</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Fair Value</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 2)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 3)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="7"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities - AFS</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">141,978</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>141,978</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>141,978</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities &#150; HTM</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>18,187</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>17,788</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,822</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,966</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Regulatory stock</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans held for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,402</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,453</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,453</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans, net of allowance for loan loss and unearned income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>773,242</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>771,460</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>771,460</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest income receivable</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Bank owned life insurance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with no stated maturities</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with stated maturities</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>308,138</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,272</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,272</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term borrowings</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">All other borrowings</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>38,085</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest payable</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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                <p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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          <div style="width: 200px;"><strong>INCOME TAXES (Narrative) (Details) (USD $)<br></strong></div>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLossCarryforwards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OperatingLossCarryforwards</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLossCarryforwardsExpirationDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expiration date of each operating loss carryforward included in operating loss carryforward, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OperatingLossCarryforwardsExpirationDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxCreditCarryforwardAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Carryforwards<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506874<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TaxCreditCarryforwardAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EEUAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>SHARES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at beginning of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">487,349</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">398,371</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">313,612</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" onclick="toggleNextSibling(this);">115,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" onclick="toggleNextSibling(this);">102,445</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" onclick="toggleNextSibling(this);">164,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
        <td class="num"><a title="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" onclick="toggleNextSibling(this);">(10,700)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</span><span></span></td>
        <td class="num"><a title="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" onclick="toggleNextSibling(this);">(3,467)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</span><span></span></td>
        <td class="num"><a title="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" onclick="toggleNextSibling(this);">(1,500)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
        <td class="num"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" onclick="toggleNextSibling(this);">(31,740)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</span><span></span></td>
        <td class="num"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" onclick="toggleNextSibling(this);">(10,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</span><span></span></td>
        <td class="num"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" onclick="toggleNextSibling(this);">(77,982)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">559,909</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">487,349</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" onclick="toggleNextSibling(this);">398,371</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" onclick="toggleNextSibling(this);">330,822</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" onclick="toggleNextSibling(this);">257,253</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" onclick="toggleNextSibling(this);">167,624</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>WEIGHTED AVERAGE EXERCISE PRICE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at beginning of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.55</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.43</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 3.02</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 3.18</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 3.19</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.73</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.25</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 1.81</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 1.70</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 3.08</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 4.25</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 5.47</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.66</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.55</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.43</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercise price of common shares</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.36</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.25</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.29</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of options granted in current year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" onclick="toggleNextSibling(this);">$ 0.85</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" onclick="toggleNextSibling(this);">$ 0.83</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" onclick="toggleNextSibling(this);">$ 0.80</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(2)(iii)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross number of share options (or share units) granted during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of options outstanding, including both vested and non-vested options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of share options (or share units) exercised during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E4WBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)<br>In Thousands</strong></div>
        </th>
        <th class="th">
          <div>Total</div>
        </th>
        <th class="th">
          <div>Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Common Stock [Member]</div>
        </th>
        <th class="th">
          <div>Treasury Stock [Member]</div>
        </th>
        <th class="th">
          <div>Capital Surplus [Member]</div>
        </th>
        <th class="th">
          <div>Retained Earnings [Member]</div>
        </th>
        <th class="th">
          <div>Accumulated Other Comprehensive Loss, Net [Member]</div>
        </th>
      </tr>
      <tr class="rc">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember]" onclick="toggleNextSibling(this);">$ 21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_PreferredStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember]" onclick="toggleNextSibling(this);">$ 264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_CommonStockMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">$ (69,241)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">$ 145,061</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">$ 18,928</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">$ (3,660)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">3</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">38</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000 and 1,757,800 shares in 2013 and 2012, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_TreasuryStockValueAcquiredCostMethod[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">(4,417)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockValueAcquiredCostMethod<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_DividendsPreferredStockCash[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">(828)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStockCash<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,719)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">(1,719)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2012</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">110,468</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember]" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_PreferredStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember]" onclick="toggleNextSibling(this);">264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_CommonStockMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">(73,658)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">145,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">23,139</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">(5,379)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">6</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">82</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000 and 1,757,800 shares in 2013 and 2012, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_TreasuryStockValueAcquiredCostMethod[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">(1,171)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockValueAcquiredCostMethod<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_DividendsCommonStockCash[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">(566)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsCommonStockCash<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_DividendsPreferredStockCash[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">(209)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStockCash<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(496)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">(496)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2013</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">113,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember]" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_PreferredStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember]" onclick="toggleNextSibling(this);">264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_CommonStockMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">(74,829)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">145,190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">27,557</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">(5,875)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">24</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">42</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000 and 1,757,800 shares in 2013 and 2012, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_DividendsCommonStockCash[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">(752)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsCommonStockCash<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_DividendsPreferredStockCash[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">(210)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStockCash<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,027)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">(1,027)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2014</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">$ 114,407</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember]" onclick="toggleNextSibling(this);">$ 21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_PreferredStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember]" onclick="toggleNextSibling(this);">$ 264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_CommonStockMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember]" onclick="toggleNextSibling(this);">$ (74,829)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_TreasuryStockMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember]" onclick="toggleNextSibling(this);">$ 145,256</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AdditionalPaidInCapitalMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember]" onclick="toggleNextSibling(this);">$ 29,618</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_RetainedEarningsMember</span><span></span></td>
        <td class="num"><a title="us-gaap_StockholdersEquity[us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember]" onclick="toggleNextSibling(this);">$ (6,902)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ us-gaap_StatementEquityComponentsAxis<br>= us-gaap_AccumulatedOtherComprehensiveIncomeMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Changes in additional paid in capital related to exercise of share-based payments awards (such as stock options) and the amount of recognized equity-based compensation during the period (such as nonvested shares).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendsCommonStockCash</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendsPreferredStockCash</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of stock issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the holder of the stock to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredCostMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TreasuryStockValueAcquiredCostMethod</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E6IAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNetAbstract', window );"><strong>DEFERRED TAX ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" onclick="toggleNextSibling(this);">$ 3,272</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" onclick="toggleNextSibling(this);">$ 3,437</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves', window );">Unfunded commitment reserve</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" onclick="toggleNextSibling(this);">300</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" onclick="toggleNextSibling(this);">264</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment', window );">Premises and equipment</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">1,433</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">1,832</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions', window );">Accrued pension obligation</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" onclick="toggleNextSibling(this);">2,358</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" onclick="toggleNextSibling(this);">1,462</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" onclick="toggleNextSibling(this);">242</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" onclick="toggleNextSibling(this);">1,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax', window );">Alternative minimum tax credits</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" onclick="toggleNextSibling(this);">2,820</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" onclick="toggleNextSibling(this);">1,749</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsOther" onclick="toggleNextSibling(this);">349</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsOther</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsOther" onclick="toggleNextSibling(this);">393</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsOther</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Total tax assets</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsNet" onclick="toggleNextSibling(this);">10,774</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsNet" onclick="toggleNextSibling(this);">10,444</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsNet</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesNetAbstract', window );"><strong>DEFERRED TAX LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesInvestments', window );">Investment accretion</a></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesInvestments" onclick="toggleNextSibling(this);">(25)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesInvestments</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesInvestments" onclick="toggleNextSibling(this);">(18)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesInvestments</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome', window );">Unrealized investment security gains</a></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" onclick="toggleNextSibling(this);">(950)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" onclick="toggleNextSibling(this);">(545)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesOther" onclick="toggleNextSibling(this);">(251)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesOther</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredTaxLiabilitiesOther" onclick="toggleNextSibling(this);">(309)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxLiabilitiesOther</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Total tax liabilities</a></td>
        <td class="num"><a title="us-gaap_DeferredIncomeTaxLiabilities" onclick="toggleNextSibling(this);">(1,226)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxLiabilities</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredIncomeTaxLiabilities" onclick="toggleNextSibling(this);">(872)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxLiabilities</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsLiabilitiesNet" onclick="toggleNextSibling(this);">$ 9,548</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsLiabilitiesNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredTaxAssetsLiabilitiesNet" onclick="toggleNextSibling(this);">$ 9,572</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredTaxAssetsLiabilitiesNet</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Liability<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510232<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph b(2)<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsNetAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOther</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from property, plant, and equipment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible alternative minimum tax credit carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Alternative Minimum Tax<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504908<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from pension benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from loss reserves other than estimated credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from investments (excludes investments in subsidiaries and equity method investments).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesNetAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesOther</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 11<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e39076-109324<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ENCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 749</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 930</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,841</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,226</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,070</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,056</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Preferred stock dividends</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">210</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">209</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">828</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 2,813</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 4,984</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 4,211</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding (basic)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">18,793</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">18,942</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">19,685</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IncrementalCommonSharesAttributableToStockOptions', window );">Effect of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_IncrementalCommonSharesAttributableToStockOptions" onclick="toggleNextSibling(this);">115</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncrementalCommonSharesAttributableToStockOptions</span><span></span></td>
        <td class="nump"><a title="asrv_IncrementalCommonSharesAttributableToStockOptions" onclick="toggleNextSibling(this);">92</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncrementalCommonSharesAttributableToStockOptions</span><span></span></td>
        <td class="nump"><a title="asrv_IncrementalCommonSharesAttributableToStockOptions" onclick="toggleNextSibling(this);">62</a><span style="display:none;white-space:normal;text-align:left;">asrv_IncrementalCommonSharesAttributableToStockOptions</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average common shares outstanding (diluted)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">18,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">19,034</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">19,747</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.02</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.10</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.06</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.02</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.09</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.06</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IncrementalCommonSharesAttributableToStockOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of stock options using the treasury stock method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_IncrementalCommonSharesAttributableToStockOptions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendsPreferredStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EAJAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract', window );"><strong>Amounts recognized in accumulated other comprehensive loss consists of:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax', window );">Prior service cost</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ (19)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax', window );">Net actuarial loss</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">12,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">10,107</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Total</a></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 12,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 10,088</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (j-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax net amount of gain (loss) that are not yet recognized as a component of net periodic benefit cost, and that are recognized as increases (decreases) in other comprehensive income as they arise.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of cost (credit) due to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation, which has not yet been recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                    <td>xbrli:monetaryItemType</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.1px;">

<tr style="vertical-align: bottom;">
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<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><font style="font-size: 10pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;">2013</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;">2012</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></td>
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<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Numerator:</strong></font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"><font style="font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Preferred stock dividends</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>210</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>209</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>828</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Net income available to common shareholders</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,813</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,984</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,211</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Denominator:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (basic)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,793</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>18,942</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,685</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Effect of stock options</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>115</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>92</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>62</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (diluted)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,908</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,034</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,747</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Earnings per common share:</strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Basic</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Diluted</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EOSAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Summary of Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">$ 827,080</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">$ 783,346</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,329</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">411,691</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">258,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">235,689</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ 19,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ 15,864</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 17pt; text-align: left; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">14.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">EMPLOYEE BENEFIT PLANS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">PENSION PLANS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company has a noncontributory defined benefit pension plan covering all employees who work at least <font>1,000</font> hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee's years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of <font style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 16px; orphans: auto; text-align: left; text-indent: 20px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none;">the Company's</font>&#160;common stock valued at $<font>651,000</font> and is limited to <font>10</font>% of the plan's assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2014.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">PENSION BENEFITS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CHANGE IN BENEFIT OBLIGATION:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit obligation at beginning of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>30,249</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>29,844</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,601</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,703</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,368</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,189</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Actuarial (gain) loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,406</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(757</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Curtailments</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>328</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Special/contractual termination benefits</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefits paid</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,627</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,730</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefit obligation at end of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>33,701</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,249</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CHANGE IN PLAN ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Fair value of plan assets at beginning of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>26,288</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>21,368</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Actual return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,056</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,850</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Employer contributions</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,650</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,800</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Benefits paid</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(3,627</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,730</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Fair value of plan assets at end of year</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>27,367</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>26,288</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Funded status of the plan - under funded</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,334</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,961</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; padding: 0px; text-indent: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" nowrap="nowrap" colspan="6"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; padding: 0px; text-indent: 10px; background-color: #cceeff;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">NET PERIODIC PENSION COST:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"></td>
<td style="text-align: center; vertical-align: top; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;" colspan="6" nowrap="nowrap"><br/></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amounts recognized in accumulated other comprehensive loss consists of:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Prior service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net actuarial loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,596</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,107</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>12,596</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,088</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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</table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; padding: 0px; font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">ACCUMULATED BENEFIT OBLIGATION:</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accumulated benefit obligation</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>30,914</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>27,566</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The weighted-average assumptions used to determine benefit obligations at December 31, 2014 and 2013 were as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">WEIGHTED AVERAGE ASSUMPTIONS:</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Discount rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salary scale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">COMPONENTS OF NET PERIODIC BENEFIT COST:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,601</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,703</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,593</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Interest cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,368</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,189</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,234</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,991</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,775</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,656</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of prior year service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of transition asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(17</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Special termination benefit liability</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>376</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net actuarial loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,181</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,375</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,094</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net periodic pension cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,516</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,465</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,229</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">OTHER&#160;CHANGES&#160;IN&#160;PLAN&#160;ASSETS&#160;AND&#160;BENEFIT&#160;OBLIGATIONS&#160;RECOGNIZED&#160;IN&#160;OTHER&#160;COMPREHENSIVE&#160;LOSS</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net (gain) loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,669</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,832</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,376</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,181</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,375</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,094</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized prior service cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>19</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>19</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net initial asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>17</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total&#160;&#160;recognized in other comprehensive loss before tax effect</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,507</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4,180</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,318</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total recognized in net benefit cost and other comprehensive loss before tax effect</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,715</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,547</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $<font>1,261,000</font>.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2014, 2013 and 2012 were as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">WEIGHTED AVERAGE ASSUMPTIONS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Discount rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>4.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.75</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected return on plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>8.00</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>8.00</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Rate of compensation increase</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.50</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.50</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company has assumed an <font>8</font>% long-term expected return on plan assets. This assumption was based upon the plan's historical investment performance over a longer-term period of 15 years combined with the plan's investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately <font>60</font>% of plan assets.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">PLAN ASSETS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The plan's measurement date is December 31, 2014. This plan's asset allocations at December 31, 2014 and 2013, by asset category are as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">ASSET CATEGORY:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Domestic equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Mutual funds/ETFs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>80</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>79</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">International equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>100</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>100</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The major categories of assets in the Company's Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; line-height: 12pt;" colspan="8" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Level 1:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6"></td>
<td style="font-family: 'Times New Roman';"></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>639</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Domestic equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,753</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,741</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">International equities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>851</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,478</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Mutual funds/ETFs</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>21,782</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>20,744</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Level 2:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,342</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,325</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total fair value of plan assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>27,367</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>26,288</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or American Depository Receipts which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between <font>50</font>% and <font>60</font>% of the plan assets. This means that fixed income and cash investments typically approximate <font>40</font>% to <font>50</font>% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2014, <font>2.4</font>% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">CASH FLOWS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company presently expects that the contribution to be made to the Plan in 2015 will be approximately $<font>2.5</font> million.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">ESTIMATED FUTURE BENEFIT PAYMENTS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following benefit payments, which reflect future service, as appropriate, are expected to be paid.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ESTIMATED FUTURE &#160;BENEFIT PAYMENTS</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 87%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,939</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,472</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,752</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2018</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,434</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2019</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,573</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Years 2020 - 2024</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>16,419</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 14.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">401(k) PLAN:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first <font>2</font>% of contribution up to a maximum of <font>1</font>%. The Company also contributes <font>4</font>% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a <font>4</font>% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first <font>6</font>% of contribution up to a maximum of&#160;<font>3</font>%. Effective January 1, 2014, any new union employees receive a <font>4</font>% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match dollar for dollar up to a maximum of <font>4</font>%. Contributions by the Company charged to operations were $<font>387,000</font> and $<font>327,000</font> for the years ended December 31, 2014 and 2013, respectively. The fair value of plan assets includes $<font>1.1</font> million pertaining to the value of the Company's common stock and Trust Preferred securities that are held by the plan at December 31, 2014.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.</font></p>
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                <p>The entire disclosure for pension and other postretirement benefits.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
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          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Tables)<br></strong></div>
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          <div>Dec. 31, 2014</div>
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<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
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<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
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<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><font style="font-size: 10pt;"><b>COST<br/>BASIS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED</b></font><br/><font style="font-size: 10pt;"> <b>GAINS</b></font></p>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED</b></font><br/><font style="font-size: 10pt;"> <b>LOSSES</b></font></p>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>FAIR</b></font><br/><font style="font-size: 10pt;"> <b>VALUE</b></font></p>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,931</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>21</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(46</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,497</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>61</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(122</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>102,888</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,197</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(317</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>124,316</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,279</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(485</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities held to maturity:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><font style="font-size: 10pt;"><b>COST<br/>BASIS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED<br/> GAINS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED<br/> LOSSES</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160;<strong> FAIR <br/>VALUE </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,481</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>395</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(50</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,826</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,364</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,414</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,995</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(28</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,973</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>475</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(102</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">COST<br/>BASIS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">GROSS</font></strong><br/><strong><font style="font-size: 10pt;"> UNREALIZED</font></strong><br/><strong><font style="font-size: 10pt;"> GAINS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">GROSS</font></strong><br/><strong><font style="font-size: 10pt;"> UNREALIZED</font></strong><br/><strong><font style="font-size: 10pt;"> LOSSES</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>FAIR </strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,926</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>35</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(126</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11,992</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>21</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(252</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>121,480</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,129</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,227</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>140,398</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,185</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,605</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>141,978</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities held to maturity:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">COST<br/>BASIS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> GROSS<br/>UNREALIZED<br/>GAINS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> GROSS <br/>UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>FAIR </strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,671</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(477</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,483</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,521</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,401</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,995</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(91</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,904</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>18,187</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(688</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>17,788</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Schedule of Contractual Maturities of Securities</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';"><div style="display: block;">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="30"><font style="font-size: 10pt;"><b></b></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="30" nowrap="nowrap"><font style="font-size: 10pt;"><b>AT DECEMBER 31, 2014</b></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.<br/>AGENCY</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.&#160;AGENCY<br/>MORTGAGE-<br/>BACKED&#160;SECURITIES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>CORPORATE<br/>BONDS</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL<br/>INVESTMENT<br/>SECURITIES<br/>AVAILABLE<br/>FOR&#160;SALE</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="38"><font style="font-size: 10pt;"><strong> </strong></font><font style="font-size: 10pt;"><strong>&#160;</strong></font><font style="font-size: 10pt;"></font><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT YIELDS)</font><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 28%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">COST BASIS</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.00</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.00</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.38</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,696</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4.46</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,999</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.75</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,626</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.96</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,498</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.05</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>17,838</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.46</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within&#160;<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>56,783</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>56,783</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.56</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.56</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.48</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>102,888</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,497</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.90</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>124,316</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.52</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,013</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,013</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,893</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,791</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,675</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,671</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,445</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,116</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>58,141</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>58,141</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>35,165</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>35,165</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;">Investment securities held to maturity:</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.&#160;AGENCY<br/> MORTGAGE-<br/>BACKED <br/>SECURITIES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>CORPORATE <br/> BONDS <br/> AND <br/> OTHER</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL<br/>INVESTMENT<br/>SECURITIES<br/>HELD&#160;TO<br/>MATURITY</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT YIELDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">COST BASIS</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.35</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.35</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.40</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>851</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.63</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,810</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,162</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.27</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,162</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.27</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,522</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.45</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,346</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4.49</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>11,868</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,481</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.20</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,359</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.96</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.11</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>981</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>981</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>868</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,799</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,140</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,140</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,895</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,407</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,302</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,826</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,387</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Schedule of Information Concerning Investments with Unrealized Losses</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"><font style="font-size: 10pt;"><strong>Total investment securities:</strong></font><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>LESS THAN 12 MONTHS</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>12 MONTHS OR LONGER</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>FAIR</b></font><br/><font style="font-size: 10pt;"><b>VALUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR <br/>VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR <br/>VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>996</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(4</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,858</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(42</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,854</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(46</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,826</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(13</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,408</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(354</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>23,234</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(367</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>150</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(1</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>988</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(23</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,138</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other&#160;&#160;securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,960</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(43</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,891</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(107</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>11,851</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(150</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6,932</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(61</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>33,145</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(526</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>40,077</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(587</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"><strong><font style="font-size: 10pt;">Total investment securities:</font></strong><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">LESS THAN 12 MONTHS</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">12 MONTHS OR LONGER</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">TOTAL</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">FAIR</font></strong><br/><strong><font style="font-size: 10pt;">VALUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,812</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(64</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>938</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(62</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,750</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(126</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>52,163</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,701</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>669</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(3</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>52,832</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,704</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>891</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>891</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other&#160;&#160;securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,687</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(300</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,957</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(43</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,644</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(343</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>66,553</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,185</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,564</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(108</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>71,117</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,293</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>

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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EP3AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>CHANGE IN BENEFIT OBLIGATION:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanBenefitObligation[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 30,249</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitObligation<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanBenefitObligation[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 29,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitObligation<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,601</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,703</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,593</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,189</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,234</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial (gain) loss</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanActuarialGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">3,406</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanActuarialGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanActuarialGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(757)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanActuarialGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanCurtailments', window );">Curtailments</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanCurtailments[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">328</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanCurtailments<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanSpecialTerminationBenefits', window );">Special/contractual termination benefits</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanSpecialTerminationBenefits[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">376</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanSpecialTerminationBenefits<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanBenefitsPaid[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(3,627)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitsPaid<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanBenefitsPaid[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,730)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitsPaid<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of year</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanBenefitObligation[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">33,701</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitObligation<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanBenefitObligation[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">30,249</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitObligation<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanBenefitObligation[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">29,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitObligation<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward', window );"><strong>CHANGE IN PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at beginning of year</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">26,288</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">21,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets', window );">Actual return on plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,056</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">3,850</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Employer contributions</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanContributionsByEmployer[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,650</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanContributionsByEmployer<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanContributionsByEmployer[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,800</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanContributionsByEmployer<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanBenefitsPaid[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(3,627)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitsPaid<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanBenefitsPaid[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,730)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanBenefitsPaid<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of year</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">27,367</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">26,288</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">21,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status of the plan-under funded</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanFundedStatusOfPlan[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ (6,334)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFundedStatusOfPlan<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanFundedStatusOfPlan[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ (3,961)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFundedStatusOfPlan<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The difference between fair value of plan assets at the end of the period and the fair value at the beginning of the period, adjusted for contributions and payments of benefits during the period, and after adjusting for taxes and other expenses, as applicable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Postretirement Benefit Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504192<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504226<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActuarialGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gain (loss) related to change in benefit obligation resulting from changes in actuarial assumptions, for example, but not limited to, interest, mortality, employee turnover, salary, and temporary deviation from the substantive plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6514294<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6749293<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanActuarialGainLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date.  2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Projected Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522206<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Postretirement Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503904<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanBenefitObligation</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitsPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Postretirement Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6521376<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39716-114964<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506267<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506309<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanBenefitsPaid</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanContributionsByEmployer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in the fair value of plan assets from contributions made by the employer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanContributionsByEmployer</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanCurtailments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of decrease that is related to an event that significantly reduces the expected years of future service of present employees or eliminates for a significant number of employees the accrual of defined benefits for some or all of their future services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Plan Curtailment<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520938<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 15<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7577095&amp;loc=d3e8001-114927<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanCurtailments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFundedStatusOfPlan</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInterestCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanServiceCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanSpecialTerminationBenefits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of increase related to special termination benefits offered to and accepted by employees in connection with their termination of employment that are only offered for a short period of time. A situation involving termination benefits may also involve a curtailment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Termination Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6526498<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanSpecialTerminationBenefits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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          </td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ER2DI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest and dividend income</a></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,344</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,019</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,983</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,095</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,203</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,811</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,627</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,702</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 40,441</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 39,343</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 39,917</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,612</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,599</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,570</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,605</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,611</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,606</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,660</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,397</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">7,714</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">24,960</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">25,115</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">24,424</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">4,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">5,105</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">5,073</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,147</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">753</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,319</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">2,719</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,773</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,504</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,486</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">4,621</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Benefit for income taxes</a></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(398)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(388)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(423)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(389)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(878)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(547)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(434)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(430)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(1,598)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(2,289)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(2,241)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">749</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">930</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,841</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,226</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,070</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,056</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">1,996</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">4,697</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">3,320</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromRelatedParties', window );">Inter-entity management and other fees</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_RevenueFromRelatedParties[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,432</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RevenueFromRelatedParties<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_RevenueFromRelatedParties[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,355</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RevenueFromRelatedParties<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_RevenueFromRelatedParties[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,355</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_RevenueFromRelatedParties<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest and dividend income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">262</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">243</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">306</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">TOTAL INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Revenues[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,064</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Revenues<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Revenues[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">8,773</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Revenues<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Revenues[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">11,371</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Revenues<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,121</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,121</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,121</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,576</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,502</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,996</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,608</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,582</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">TOTAL EXPENSE</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_CostsAndExpenses[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,693</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CostsAndExpenses<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CostsAndExpenses[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,231</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CostsAndExpenses<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CostsAndExpenses[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,071</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CostsAndExpenses<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(629)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">3,542</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">6,300</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Benefit for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,020</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">895</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">819</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">2,632</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">756</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromSubsidiariesNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">(2,080)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromSubsidiariesNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,996</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">4,697</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">3,320</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Banking Subsidiary [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_BankingSubsidiaryMember]" onclick="toggleNextSibling(this);">1,500</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_BankingSubsidiaryMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_BankingSubsidiaryMember]" onclick="toggleNextSibling(this);">5,500</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_BankingSubsidiaryMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_BankingSubsidiaryMember]" onclick="toggleNextSibling(this);">8,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_BankingSubsidiaryMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Non Banking Subsidiaries [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_NonBankingSubsidiariesMember]" onclick="toggleNextSibling(this);">$ 870</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_NonBankingSubsidiariesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_NonBankingSubsidiariesMember]" onclick="toggleNextSibling(this);">$ 675</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_NonBankingSubsidiariesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendIncomeOperating[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_NonBankingSubsidiariesMember]" onclick="toggleNextSibling(this);">$ 710</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendIncomeOperating<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_NonBankingSubsidiariesMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35737396<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e557-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total costs of sales and operating expenses for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CostsAndExpenses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpensesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CostsAndExpensesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating dividend income on securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendIncomeOperating</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of revenue, fees and commissions earned from transactions between (a) a parent company and its subsidiaries; (b) subsidiaries of a common parent; (c) an entity and trusts for the benefit of employees, for example, but not limited to, pension and profit-sharing trusts that are managed by or under the trusteeship of the entity's management; (d) an entity and its principal, owners, management, or members of their immediate families; and (e) affiliates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Related Parties<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16382449<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.6-07.1(c))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 07<br><br> -Paragraph b<br><br> -Subparagraph 1<br><br> -Article 6<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">16.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">COMMITMENTS AND CONTINGENT LIABILITIES</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company's commercial loans.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company's exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2014, the Company had various outstanding commitments to extend credit approximating $<font>188.0</font> million and standby letters of credit of $<font>7.2</font> million, compared to commitments to extend credit of $<font>146.0</font> million and standby letters of credit of $<font>13.2</font> million at December 31, 2013. Standby letters of credit had terms ranging from <font>1</font> to <font>2</font> years with annual extension options available.<b> </b>Standby letters of credit of approximately $<font>3.3</font> million were secured as of December 31, 2014 and approximately $<font>3.9</font> million at December 31, 2013. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $<font>882,000</font> at December 31, 2014 and $<font>776,000</font> at December 31, 2013.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin-bottom: 0pt; margin-top: 0pt; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company's consolidated financial position, results of operation or cash flows.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E4DBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" onclick="toggleNextSibling(this);">$ 989</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" onclick="toggleNextSibling(this);">$ 3,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" onclick="toggleNextSibling(this);">826,091</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" onclick="toggleNextSibling(this);">780,280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">827,080</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" onclick="toggleNextSibling(this);">783,346</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" onclick="toggleNextSibling(this);">520</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" onclick="toggleNextSibling(this);">813</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" onclick="toggleNextSibling(this);">9,103</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" onclick="toggleNextSibling(this);">9,291</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">9,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">10,104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">12,571</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses" onclick="toggleNextSibling(this);">14,623</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">139,126</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">120,102</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">3,262</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">3,262</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,844</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,596</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">2,365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">989</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,005</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">409,340</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">408,686</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">410,329</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">411,691</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">520</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">812</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,382</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,073</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,902</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">4,885</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">7,796</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">9,400</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">258,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">235,689</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">258,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">235,689</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,310</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,310</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,260</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,269</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">1,270</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">61</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">19,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">15,803</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">19,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">15,864</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">1</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">135</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">190</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">136</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">174</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember', window );">Allocation for general risk [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 760</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_FinancingReceivableAllowanceForCreditLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_AllocationForGeneralRiskMember]" onclick="toggleNextSibling(this);">$ 1,414</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FinancingReceivableAllowanceForCreditLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_AllocationForGeneralRiskMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E6AAE">
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          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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          <div>Dec. 31, 2012</div>
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        <td class="nump"><a title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" onclick="toggleNextSibling(this);">426</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" onclick="toggleNextSibling(this);">280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" onclick="toggleNextSibling(this);">159</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_OperatingLeasesRentExpenseNet" onclick="toggleNextSibling(this);">$ 732</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesRentExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_OperatingLeasesRentExpenseNet" onclick="toggleNextSibling(this);">$ 764</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesRentExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_OperatingLeasesRentExpenseNet" onclick="toggleNextSibling(this);">$ 785</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OperatingLeasesRentExpenseNet</span><span></span></td>
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                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
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                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
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                <p>Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br></p>
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                <p>Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41499-112717<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EGH">
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          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)<br></strong></div>
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          <div>Dec. 31, 2013</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]</strong></a></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Treasury stock, purchased at cost, shares</a></td>
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        <td class="nump"><a title="us-gaap_TreasuryStockSharesAcquired" onclick="toggleNextSibling(this);">1,757,800</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockSharesAcquired</span><span></span></td>
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                <p>Number of shares that have been repurchased during the period and are being held in treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EUEAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to maturity securities, fair value</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">$ 20,213</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">$ 17,788</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
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        <td class="nump"><a title="us-gaap_PreferredStockNoParValue" onclick="toggleNextSibling(this);">$ 0.00</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockNoParValue</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreference', window );">Preferred stock, liquidation preference per share</a></td>
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        <td class="nump"><a title="us-gaap_PreferredStockLiquidationPreference" onclick="toggleNextSibling(this);">$ 1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockLiquidationPreference</span><span></span></td>
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        <td class="nump"><a title="us-gaap_PreferredStockSharesAuthorized" onclick="toggleNextSibling(this);">2,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockSharesAuthorized</span><span></span></td>
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        <td class="nump"><a title="us-gaap_PreferredStockSharesIssued" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockSharesIssued</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
        <td class="nump"><a title="us-gaap_PreferredStockSharesOutstanding" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_PreferredStockSharesOutstanding" onclick="toggleNextSibling(this);">21,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockSharesOutstanding</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
        <td class="nump"><a title="us-gaap_CommonStockParOrStatedValuePerShare" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockParOrStatedValuePerShare</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockParOrStatedValuePerShare" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockParOrStatedValuePerShare</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesAuthorized" onclick="toggleNextSibling(this);">30,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesAuthorized</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesAuthorized" onclick="toggleNextSibling(this);">30,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesAuthorized</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesIssued" onclick="toggleNextSibling(this);">26,412,007</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesIssued</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesIssued" onclick="toggleNextSibling(this);">26,402,007</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesIssued</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding</a></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesOutstanding" onclick="toggleNextSibling(this);">18,794,888</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockSharesOutstanding" onclick="toggleNextSibling(this);">18,784,188</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockSharesOutstanding</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
        <td class="nump"><a title="us-gaap_TreasuryStockShares" onclick="toggleNextSibling(this);">7,617,819</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockShares</span><span></span></td>
        <td class="nump"><a title="us-gaap_TreasuryStockShares" onclick="toggleNextSibling(this);">7,617,819</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TreasuryStockShares</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value per share of common stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreference">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph d<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(d)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockLiquidationPreference</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNoParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount per share of no-par value preferred stock nonredeemable or redeemable solely at the option of the issuer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockNoParValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StatementOfFinancialPositionAbstract</td>
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                  <tr>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:sharesItemType</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTextBlock', window );">SHORT-TERM BORROWINGS</a></td>
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<tr style="vertical-align: top;">
<td style="width: 18pt;"></td>
<td style="width: 17pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">9.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">SHORT-TERM BORROWINGS</font></strong></td>
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</table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<div>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b>FEDERAL</b></font><br/><font style="font-size: 8pt;"><b>FUNDS</b> </font><br/><font style="font-size: 8pt;"><b>PURCHASED</b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> SHORT-TERM <br/>BORROWINGS </strong></font></p>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b></b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>47,762</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,783</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.29</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.27</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left;"><font style="font-size: 10pt;">&#160;</font></p>

<div>
<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>FEDERAL</strong></font><br/><font style="font-size: 8pt;"><strong>FUNDS </strong></font><br/><font style="font-size: 8pt;"><strong>PURCHASED</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> SHORT-TERM <br/>BORROWINGS </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 0px;" nowrap="nowrap" colspan="6">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>959</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>16,482</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.34</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.25</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2012</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>FEDERAL</strong></font><br/><font style="font-size: 8pt;"><strong>FUNDS </strong></font><br/><font style="font-size: 8pt;"><strong>PURCHASED</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> OTHER <br/>SHORT-TERM <br/>BORROWINGS </strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>15,660</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Maximum indebtedness at any month end</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,755</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average balance during year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>117</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>5,225</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Average rate paid for the year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.34</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.20</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Interest rate on year-end balance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.25</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">These borrowing transactions can range from overnight to one year in maturity. The average maturity was <font>one</font> day at the end of 2014, 2013 and 2012.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for short-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 7<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ECLAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="5">12 Months Ended</th>
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      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2014</div>
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        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
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          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract', window );"><strong>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Recognized loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" onclick="toggleNextSibling(this);">$ (799)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" onclick="toggleNextSibling(this);">$ (669)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plans, Defined Benefit [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract', window );"><strong>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanNetGainLoss', window );">Net (gain) loss</a></td>
        <td class="nump"><a title="asrv_DefinedBenefitPlanNetGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">3,669</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanNetGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="asrv_DefinedBenefitPlanNetGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(2,832)</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanNetGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="asrv_DefinedBenefitPlanNetGainLoss[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,376</a><span style="display:none;white-space:normal;text-align:left;">asrv_DefinedBenefitPlanNetGainLoss<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Recognized loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,181)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,375)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,094)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive loss before tax effect</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,507</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(4,180)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,318</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Recognized prior service cost</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">19</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">19</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">19</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax', window );">Recognized net initial asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">8</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">17</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax', window );">Total recognized in net benefit cost and other comprehensive loss before tax effect</a></td>
        <td class="nump"><a title="us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 5,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ (1,715)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump"><a title="us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 3,547</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr>
        <td colspan="6"></td>
      </tr>
      <tr>
        <td colspan="6">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Amounts in parentheses indicate credits.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[2]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanNetGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain or loss for the defined benefit plan for the period recognized in other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DefinedBenefitPlanNetGainLoss</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount recognized in net periodic benefit cost and other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for net transition asset (obligation) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td>na</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E53AG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract', window );"><strong>AMOUNT</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">$ 1,571</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">$ 2,544</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">$ 2,475</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(274)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationTaxExemptIncome</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(359)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationTaxExemptIncome</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(315)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationTaxExemptIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationOtherReconcilingItems" onclick="toggleNextSibling(this);">301</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationOtherReconcilingItems</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationOtherReconcilingItems" onclick="toggleNextSibling(this);">104</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationOtherReconcilingItems</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxReconciliationOtherReconcilingItems" onclick="toggleNextSibling(this);">81</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxReconciliationOtherReconcilingItems</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 398</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 388</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 423</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 389</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 878</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 547</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 434</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 430</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 1,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 2,289</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 2,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract', window );"><strong>RATE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">34.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">34.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" onclick="toggleNextSibling(this);">34.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(5.90%)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</span><span></span></td>
        <td class="num"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(4.80%)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</span><span></span></td>
        <td class="num"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" onclick="toggleNextSibling(this);">(4.30%)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" onclick="toggleNextSibling(this);">6.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" onclick="toggleNextSibling(this);">1.40%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" onclick="toggleNextSibling(this);">1.10%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Total expense for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateContinuingOperations" onclick="toggleNextSibling(this);">34.60%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateContinuingOperations" onclick="toggleNextSibling(this);">30.60%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</span><span></span></td>
        <td class="nump"><a title="us-gaap_EffectiveIncomeTaxRateContinuingOperations" onclick="toggleNextSibling(this);">30.80%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract">
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax exempt income, equity in earnings (loss) of an unconsolidated subsidiary, minority noncontrolling interest income (loss), tax holiday, disposition of a business, disposition of an asset, repatriation of foreign earnings, repatriation of foreign earnings jobs creation act of 2004, increase (decrease) in enacted tax rate, prior year income taxes, increase (decrease) in deferred tax asset valuation allowance, and other adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherReconcilingItems</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EZ4DI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 32,872</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 26,820</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsAtCarryingValue" onclick="toggleNextSibling(this);">$ 34,783</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsAtCarryingValue</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities - HTM</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">19,840</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecurities" onclick="toggleNextSibling(this);">18,187</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecurities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock', window );">Regulatory stock</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" onclick="toggleNextSibling(this);">6,173</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" onclick="toggleNextSibling(this);">6,802</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleMortgages', window );">Loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleMortgages" onclick="toggleNextSibling(this);">5,051</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleMortgages</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleMortgages" onclick="toggleNextSibling(this);">3,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleMortgages</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetReportedAmount" onclick="toggleNextSibling(this);">817,457</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableNetReportedAmount" onclick="toggleNextSibling(this);">773,242</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedInvestmentIncomeReceivable', window );">Accrued income receivable</a></td>
        <td class="nump"><a title="us-gaap_AccruedInvestmentIncomeReceivable" onclick="toggleNextSibling(this);">3,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccruedInvestmentIncomeReceivable</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccruedInvestmentIncomeReceivable" onclick="toggleNextSibling(this);">2,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccruedInvestmentIncomeReceivable</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsurance" onclick="toggleNextSibling(this);">37,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsurance</span><span></span></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsurance" onclick="toggleNextSibling(this);">36,669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsurance</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsFairValueDisclosure" onclick="toggleNextSibling(this);">32,872</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsFairValueDisclosure" onclick="toggleNextSibling(this);">30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">20,213</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue" onclick="toggleNextSibling(this);">17,788</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump"><a title="asrv_RegulatoryAssetsFairValueDisclosure" onclick="toggleNextSibling(this);">6,173</a><span style="display:none;white-space:normal;text-align:left;">asrv_RegulatoryAssetsFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="asrv_RegulatoryAssetsFairValueDisclosure" onclick="toggleNextSibling(this);">6,802</a><span style="display:none;white-space:normal;text-align:left;">asrv_RegulatoryAssetsFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleFairValueDisclosure" onclick="toggleNextSibling(this);">5,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleFairValueDisclosure" onclick="toggleNextSibling(this);">3,453</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansReceivableFairValueDisclosure" onclick="toggleNextSibling(this);">819,935</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansReceivableFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansReceivableFairValueDisclosure" onclick="toggleNextSibling(this);">771,460</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansReceivableFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump"><a title="us-gaap_AccountsReceivableFairValueDisclosure" onclick="toggleNextSibling(this);">3,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsReceivableFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccountsReceivableFairValueDisclosure" onclick="toggleNextSibling(this);">2,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsReceivableFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump"><a title="us-gaap_CashSurrenderValueFairValueDisclosure" onclick="toggleNextSibling(this);">37,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashSurrenderValueFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashSurrenderValueFairValueDisclosure" onclick="toggleNextSibling(this);">36,669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashSurrenderValueFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturities', window );">Deposits with no stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturities" onclick="toggleNextSibling(this);">568,625</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturities</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturities" onclick="toggleNextSibling(this);">546,384</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturities', window );">Deposits with stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturities" onclick="toggleNextSibling(this);">301,256</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturities</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturities" onclick="toggleNextSibling(this);">308,138</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">Short-term borrowings</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" onclick="toggleNextSibling(this);">38,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherBorrowings', window );">All other borrowings</a></td>
        <td class="nump"><a title="us-gaap_OtherBorrowings" onclick="toggleNextSibling(this);">55,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherBorrowings</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherBorrowings" onclick="toggleNextSibling(this);">38,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherBorrowings</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPayableCurrentAndNoncurrent', window );">Accrued interest payable</a></td>
        <td class="nump"><a title="us-gaap_InterestPayableCurrentAndNoncurrent" onclick="toggleNextSibling(this);">1,706</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestPayableCurrentAndNoncurrent</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestPayableCurrentAndNoncurrent" onclick="toggleNextSibling(this);">1,784</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestPayableCurrentAndNoncurrent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" onclick="toggleNextSibling(this);">568,625</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" onclick="toggleNextSibling(this);">546,384</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" onclick="toggleNextSibling(this);">304,744</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturitiesFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" onclick="toggleNextSibling(this);">313,272</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturitiesFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" onclick="toggleNextSibling(this);">38,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="nump"><a title="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" onclick="toggleNextSibling(this);">59,256</a><span style="display:none;white-space:normal;text-align:left;">asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" onclick="toggleNextSibling(this);">40,598</a><span style="display:none;white-space:normal;text-align:left;">asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump"><a title="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" onclick="toggleNextSibling(this);">1,706</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" onclick="toggleNextSibling(this);">1,784</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">32,872</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndCashEquivalentsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">30,066</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndCashEquivalentsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump"><a title="asrv_RegulatoryAssetsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">6,173</a><span style="display:none;white-space:normal;text-align:left;">asrv_RegulatoryAssetsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="asrv_RegulatoryAssetsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">6,802</a><span style="display:none;white-space:normal;text-align:left;">asrv_RegulatoryAssetsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">5,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansHeldForSaleFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">3,453</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansHeldForSaleFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump"><a title="us-gaap_AccountsReceivableFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">3,127</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsReceivableFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccountsReceivableFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">2,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsReceivableFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump"><a title="us-gaap_CashSurrenderValueFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">37,417</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashSurrenderValueFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashSurrenderValueFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">36,669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashSurrenderValueFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">568,625</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">546,384</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">38,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump"><a title="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">1,706</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">1,784</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">17,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">14,822</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">2,972</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesFairValue[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">2,966</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesFairValue<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansReceivableFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">819,935</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansReceivableFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansReceivableFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">771,460</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansReceivableFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">304,744</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="nump"><a title="asrv_DepositsWithStatedMaturitiesFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">313,272</a><span style="display:none;white-space:normal;text-align:left;">asrv_DepositsWithStatedMaturitiesFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="nump"><a title="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">59,256</a><span style="display:none;white-space:normal;text-align:left;">asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="nump"><a title="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member]" onclick="toggleNextSibling(this);">40,598</a><span style="display:none;white-space:normal;text-align:left;">asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel3Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Debt and capital lease obligations fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithNoStatedMaturities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others that do not have stated maturities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DepositsWithNoStatedMaturities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with no stated maturities fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithStatedMaturities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others having stated maturities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DepositsWithStatedMaturities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with stated maturities fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_DepositsWithStatedMaturitiesFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RegulatoryAssetsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Regulatory assets fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_RegulatoryAssetsFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of trade and related party payables and accrued expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13487-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 3<br><br> -Subparagraph a, b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsReceivableFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedInvestmentIncomeReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 4<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccruedInvestmentIncomeReceivable</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashSurrenderValueFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of the amount that could be realized under a life insurance contract or contracts owned by the entity, commonly known as corporate-owned life insurance (COLI) or bank-owned life insurance (BOLI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Surrender Value<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507153<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashSurrenderValueFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank (FHLB) and Federal Reserve Bank stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPayableCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest payable on debt, including, but not limited to, trade payables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15(5))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.15(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph a<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestPayableCurrentAndNoncurrent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleMortgages">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount classified as mortgage loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a)(3))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490309&amp;loc=d3e48678-111004<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Permanent Investor<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520390<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansHeldForSaleMortgages</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Glossary Loan<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517073<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansReceivableFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount as of the balance sheet date for the aggregate of other miscellaneous borrowings owed by the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13,16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherBorrowings</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EDNBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks" onclick="toggleNextSibling(this);">$ 23,780</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks" onclick="toggleNextSibling(this);">$ 20,288</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments" onclick="toggleNextSibling(this);">6,140</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments" onclick="toggleNextSibling(this);">6,811</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump"><a title="us-gaap_OtherAssets" onclick="toggleNextSibling(this);">5,712</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherAssets" onclick="toggleNextSibling(this);">7,478</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,000,991</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities" onclick="toggleNextSibling(this);">11,010</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities" onclick="toggleNextSibling(this);">8,567</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump"><a title="us-gaap_Liabilities" onclick="toggleNextSibling(this);">974,856</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities</span><span></span></td>
        <td class="nump"><a title="us-gaap_Liabilities" onclick="toggleNextSibling(this);">942,729</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">114,407</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">113,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity" onclick="toggleNextSibling(this);">110,468</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity" onclick="toggleNextSibling(this);">1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity</span><span></span></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity" onclick="toggleNextSibling(this);">1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">100</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_CashAndDueFromBanks[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">100</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CashAndDueFromBanks<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">5,784</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherShortTermInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">6,561</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherShortTermInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">11,714</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">11,909</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Guaranteed junior subordinated deferrable interest debenture issuance costs</a></td>
        <td class="nump"><a title="us-gaap_DeferredFinanceCostsNet[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">209</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredFinanceCostsNet<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredFinanceCostsNet[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">224</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredFinanceCostsNet<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump"><a title="us-gaap_OtherAssets[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">4,698</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherAssets[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">4,352</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherAssets<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump"><a title="us-gaap_Assets[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">128,663</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">127,717</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_JuniorSubordinatedNotes[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">13,085</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_JuniorSubordinatedNotes<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,171</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherLiabilities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">1,325</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherLiabilities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump"><a title="us-gaap_Liabilities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">14,256</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Liabilities[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">14,410</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Liabilities<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">114,407</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_StockholdersEquity[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">113,307</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_StockholdersEquity<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">128,663</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_LiabilitiesAndStockholdersEquity[dei_LegalEntityAxis=us-gaap_ParentCompanyMember]" onclick="toggleNextSibling(this);">127,717</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LiabilitiesAndStockholdersEquity<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Banking Subsidiary [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump"><a title="us-gaap_EquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_BankingSubsidiaryMember]" onclick="toggleNextSibling(this);">100,473</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_BankingSubsidiaryMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_EquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_BankingSubsidiaryMember]" onclick="toggleNextSibling(this);">99,250</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_BankingSubsidiaryMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LegalEntityAxis=us-gaap_ParentCompanyMember', window );">Parent Company [Member] | Non-Banking Subsidiaries [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump"><a title="us-gaap_EquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_NonBankingSubsidiariesMember]" onclick="toggleNextSibling(this);">$ 5,685</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_NonBankingSubsidiariesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_EquityMethodInvestments[dei_LegalEntityAxis=us-gaap_ParentCompanyMember;us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis=asrv_NonBankingSubsidiariesMember]" onclick="toggleNextSibling(this);">$ 5,321</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquityMethodInvestments<br>/ dei_LegalEntityAxis<br>= us-gaap_ParentCompanyMember<br>/ us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis<br>= asrv_NonBankingSubsidiariesMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Assets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CashAndDueFromBanks</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFinanceCostsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredFinanceCostsNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35755396&amp;loc=d3e33749-111570<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EquityMethodInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
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                <p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Article 7<br><br><br><br></p>
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                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
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                <p>Other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
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                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKAAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding', window );">Maximum notional amount outstanding permitted</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_MaximumNotionalAmountOfDerivativesOutstanding" onclick="toggleNextSibling(this);">$ 500,000,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_MaximumNotionalAmountOfDerivativesOutstanding</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeByNatureAxis=us-gaap_InterestRateSwapMember', window );">Interest Rate Swap [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapOneMember', window );">Interest Rate Swap One [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,  2008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,  2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_DerivativeNotionalAmount', window );">Notional amount</a></td>
        <td class="nump"><a title="invest_DerivativeNotionalAmount[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapOneMember]" onclick="toggleNextSibling(this);">9,000,000</a><span style="display:none;white-space:normal;text-align:left;">invest_DerivativeNotionalAmount<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump"><a title="us-gaap_DerivativeVariableInterestRate[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapOneMember]" onclick="toggleNextSibling(this);">5.25%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DerivativeVariableInterestRate<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump"><a title="us-gaap_DerivativeFixedInterestRate[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapOneMember]" onclick="toggleNextSibling(this);">2.73%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DerivativeFixedInterestRate<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="nump"><a title="us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapOneMember]" onclick="toggleNextSibling(this);">165,488</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapOneMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapTwoMember', window );">Interest Rate Swap Two [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,  2008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,  2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_DerivativeNotionalAmount', window );">Notional amount</a></td>
        <td class="nump"><a title="invest_DerivativeNotionalAmount[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapTwoMember]" onclick="toggleNextSibling(this);">9,000,000</a><span style="display:none;white-space:normal;text-align:left;">invest_DerivativeNotionalAmount<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump"><a title="us-gaap_DerivativeVariableInterestRate[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapTwoMember]" onclick="toggleNextSibling(this);">2.73%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DerivativeVariableInterestRate<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump"><a title="us-gaap_DerivativeFixedInterestRate[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapTwoMember]" onclick="toggleNextSibling(this);">5.25%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DerivativeFixedInterestRate<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1[us-gaap_DerivativeByNatureAxis=asrv_InterestRateSwapTwoMember]" onclick="toggleNextSibling(this);">$ (165,488)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1<br>/ us-gaap_DerivativeByNatureAxis<br>= asrv_InterestRateSwapTwoMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum Notional Amount Of Derivatives Outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_MaximumNotionalAmountOfDerivativesOutstanding</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_DerivativeNotionalAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 12<br><br> -Section 13<br><br> -Sentence Column B<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">invest_DerivativeNotionalAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>invest_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFixedInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fixed interest rate related to the interest rate derivative.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DerivativeFixedInterestRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInceptionDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the entity entered into the derivative contract, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DerivativeInceptionDates</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DerivativeLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeMaturityDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the derivative contract matures, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DerivativeMaturityDates</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeVariableInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Variable interest rate in effect as of the balance sheet date related to the interest rate derivative.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DerivativeVariableInterestRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized gain (loss) included in earnings related to the fair value of the hedged item in an interest rate fair value hedge, offset by the gain (loss) on the hedging instrument to the extent that the fair value hedge is determined to be effective.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=SL5618551-113959<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=SL5624171-113959<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EVRAE">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Document and Entity Information (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Jan. 30, 2015</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
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        <td class="text">Dec. 31,  2014<span></span></td>
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        <td class="text">Smaller Reporting Company<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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        <td class="text">AMERISERV FINANCIAL INC /PA/<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
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        <td class="text">0000707605<span></span></td>
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        <td class="text">--12-31<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
        <td class="text">2014<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">No<span></span></td>
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        <td class="text">No<span></span></td>
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        <td class="text">Yes<span></span></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>If the value is true, then the document is an amendment to previously-filed/accepted document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>End date of current fiscal year in the format --MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_DocumentType</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:centralIndexKeyItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityFilerCategory</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityPublicFloat</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityRegistrantName</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:normalizedStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ESE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1', window );">Restricted surplus and retained earnings</a></td>
        <td class="nump"><a title="us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1" onclick="toggleNextSibling(this);">$ 105,400,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1</span><span></span></td>
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                    <td style="white-space:nowrap;">us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of statutory capital and surplus computed using prescribed or permitted statutory accounting practice.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6486098&amp;loc=d3e24708-158529<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtTextBlock', window );">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%;">

<tr style="vertical-align: top;">
<td style="width: 18.4pt;"></td>
<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">10.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</font></strong></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Advances from the FHLB consist of the following:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>MATURING</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b>WEIGHTED</b></font><br/><font style="font-size: 8pt;"><b>AVERAGE YIELD</b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="5" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>BALANCE</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px;" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><b></b></font></p>
</td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>0.52</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>4,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.81</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.06</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.51</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2019</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.88</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total advances from FHLB</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.12</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong><font>42,000</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31, 2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>MATURING</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong>WEIGHTED</strong></font><br/><font style="font-size: 8pt;"><strong>AVERAGE YIELD</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong>BALANCE</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS, EXCEPT RATES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'Times New Roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>0.52</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>4,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.81</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1.07</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1.47</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total advances from FHLB</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.89</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;"><font>25,000</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; border-bottom-color: #000000 !important;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"><br/></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company's subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company's investment in assets secured by one- to four-family residential real estate and certain types of CRE. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and CRE&#160;loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2014, the Company had immediately available $<font>347</font> million of overnight borrowing capability at the FHLB and $<font>39</font> million of unsecured federal funds lines with correspondent banks.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">Guaranteed Junior Subordinated Deferrable Interest Debentures:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">On April 28, 1998, the Company completed a $<font>34.5</font> million public offering of <font>8.45</font>% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by the Company. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $<font>209,000</font> as of December 31, 2014 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $<font>22.5</font> million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2014 and 2013 was $<font>13.1</font> million.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EWYAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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          <div>Dec. 31, 2013</div>
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      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross" onclick="toggleNextSibling(this);">$ 34,399,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross" onclick="toggleNextSibling(this);">$ 36,675,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less: Accumulated depreciation and amortization</a></td>
        <td class="nump"><a title="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">21,387,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</span><span></span></td>
        <td class="nump"><a title="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" onclick="toggleNextSibling(this);">23,556,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net book value</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentNet" onclick="toggleNextSibling(this);">13,012,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentNet" onclick="toggleNextSibling(this);">13,119,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentNet</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation expense</a></td>
        <td class="nump"><a title="us-gaap_Depreciation" onclick="toggleNextSibling(this);">1,800,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Depreciation</span><span></span></td>
        <td class="nump"><a title="us-gaap_Depreciation" onclick="toggleNextSibling(this);">1,700,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Depreciation</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember]" onclick="toggleNextSibling(this);">1,198,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_LandMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember]" onclick="toggleNextSibling(this);">1,208,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_LandMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember', window );">Premises [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember]" onclick="toggleNextSibling(this);">24,175,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_BuildingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember]" onclick="toggleNextSibling(this);">25,752,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_BuildingMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember', window );">Furniture and Equipment [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember]" onclick="toggleNextSibling(this);">8,337,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_FurnitureAndFixturesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember]" onclick="toggleNextSibling(this);">8,912,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_FurnitureAndFixturesMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold Improvements [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember]" onclick="toggleNextSibling(this);">$ 689,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_LeaseholdImprovementsMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_PropertyPlantAndEquipmentGross[us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember]" onclick="toggleNextSibling(this);">$ 803,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PropertyPlantAndEquipmentGross<br>/ us-gaap_PropertyPlantAndEquipmentByTypeAxis<br>= us-gaap_LeaseholdImprovementsMember</span><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 14<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Depreciation</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentGross</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 8<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EANAC">
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 989,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 3,066,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Specific valuation allowance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance" onclick="toggleNextSibling(this);">520,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance" onclick="toggleNextSibling(this);">813,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Net fair value of impaired loans</a></td>
        <td class="nump"><a title="us-gaap_ReceivablesFairValueDisclosure" onclick="toggleNextSibling(this);">469,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ReceivablesFairValueDisclosure</span><span></span></td>
        <td class="nump"><a title="us-gaap_ReceivablesFairValueDisclosure" onclick="toggleNextSibling(this);">2,300,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ReceivablesFairValueDisclosure</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Fair Value Measurements Nonrecurring [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">$ 469,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember]" onclick="toggleNextSibling(this);">$ 2,253,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsNonrecurringMember</span><span></span></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of receivables, including, but not limited to, trade account receivables, note receivables, and loan receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ReceivablesFairValueDisclosure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E3TAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)<br>Share data in Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract', window );"><strong>Interest and fees on loans:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable', window );">Taxable</a></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" onclick="toggleNextSibling(this);">$ 36,285,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</span><span></span></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" onclick="toggleNextSibling(this);">$ 35,063,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</span><span></span></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" onclick="toggleNextSibling(this);">$ 34,752,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt', window );">Tax exempt</a></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" onclick="toggleNextSibling(this);">57,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</span><span></span></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" onclick="toggleNextSibling(this);">57,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</span><span></span></td>
        <td class="nump"><a title="asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" onclick="toggleNextSibling(this);">63,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions', window );">Interest bearing deposits</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeDepositsWithFinancialInstitutions" onclick="toggleNextSibling(this);">5,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeDepositsWithFinancialInstitutions</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeDepositsWithFinancialInstitutions" onclick="toggleNextSibling(this);">6,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeDepositsWithFinancialInstitutions</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeDepositsWithFinancialInstitutions" onclick="toggleNextSibling(this);">10,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeDepositsWithFinancialInstitutions</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeMoneyMarketDeposits', window );">Short-term investments in money market funds</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeMoneyMarketDeposits" onclick="toggleNextSibling(this);">7,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeMoneyMarketDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeMoneyMarketDeposits" onclick="toggleNextSibling(this);">8,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeMoneyMarketDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeMoneyMarketDeposits" onclick="toggleNextSibling(this);">18,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeMoneyMarketDeposits</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" onclick="toggleNextSibling(this);">3,528,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" onclick="toggleNextSibling(this);">3,701,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" onclick="toggleNextSibling(this);">4,634,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity', window );">Held to maturity</a></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" onclick="toggleNextSibling(this);">559,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" onclick="toggleNextSibling(this);">508,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" onclick="toggleNextSibling(this);">440,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total Interest Income</a></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">40,441,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">39,343,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">39,917,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>INTEREST EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">4,889,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">5,164,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">6,502,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" onclick="toggleNextSibling(this);">55,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" onclick="toggleNextSibling(this);">46,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" onclick="toggleNextSibling(this);">11,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" onclick="toggleNextSibling(this);">333,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" onclick="toggleNextSibling(this);">152,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" onclick="toggleNextSibling(this);">81,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseJuniorSubordinatedDebentures" onclick="toggleNextSibling(this);">1,120,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseJuniorSubordinatedDebentures</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseJuniorSubordinatedDebentures" onclick="toggleNextSibling(this);">1,120,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseJuniorSubordinatedDebentures</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseJuniorSubordinatedDebentures" onclick="toggleNextSibling(this);">1,120,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseJuniorSubordinatedDebentures</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total Interest Expense</a></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,397,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,482,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">7,714,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">34,044,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">32,861,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">32,203,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,100,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(775,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after Provision (credit) for Loan Losses</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">33,669,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">33,961,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">32,978,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>NON-INTEREST INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities', window );">Trust and investment advisory fees</a></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" onclick="toggleNextSibling(this);">7,765,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" onclick="toggleNextSibling(this);">7,812,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" onclick="toggleNextSibling(this);">7,268,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposit accounts</a></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsDepositorAccounts" onclick="toggleNextSibling(this);">1,957,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsDepositorAccounts</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsDepositorAccounts" onclick="toggleNextSibling(this);">2,173,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsDepositorAccounts</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsDepositorAccounts" onclick="toggleNextSibling(this);">2,195,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsDepositorAccounts</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gains on loans held for sale</a></td>
        <td class="nump"><a title="us-gaap_GainLossOnSalesOfLoansNet" onclick="toggleNextSibling(this);">748,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSalesOfLoansNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_GainLossOnSalesOfLoansNet" onclick="toggleNextSibling(this);">1,089,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSalesOfLoansNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_GainLossOnSalesOfLoansNet" onclick="toggleNextSibling(this);">1,132,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSalesOfLoansNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsMortgageBanking', window );">Mortgage related fees</a></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsMortgageBanking" onclick="toggleNextSibling(this);">590,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsMortgageBanking</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsMortgageBanking" onclick="toggleNextSibling(this);">773,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsMortgageBanking</span><span></span></td>
        <td class="nump"><a title="us-gaap_FeesAndCommissionsMortgageBanking" onclick="toggleNextSibling(this);">902,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FeesAndCommissionsMortgageBanking</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net realized gains on investment securities</a></td>
        <td class="nump"><a title="us-gaap_GainLossOnSaleOfSecuritiesNet" onclick="toggleNextSibling(this);">177,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfSecuritiesNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_GainLossOnSaleOfSecuritiesNet" onclick="toggleNextSibling(this);">204,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfSecuritiesNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_GainLossOnSaleOfSecuritiesNet" onclick="toggleNextSibling(this);">12,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GainLossOnSaleOfSecuritiesNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank owned life insurance</a></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">748,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsuranceIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">998,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsuranceIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_BankOwnedLifeInsuranceIncome" onclick="toggleNextSibling(this);">863,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_BankOwnedLifeInsuranceIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
        <td class="nump"><a title="us-gaap_NoninterestIncomeOtherOperatingIncome" onclick="toggleNextSibling(this);">2,338,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncomeOtherOperatingIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncomeOtherOperatingIncome" onclick="toggleNextSibling(this);">2,695,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncomeOtherOperatingIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncomeOtherOperatingIncome" onclick="toggleNextSibling(this);">2,571,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncomeOtherOperatingIncome</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total Non-Interest Income</a></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,323,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">15,744,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,943,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>NON-INTEREST EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">24,960,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">25,115,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_LaborAndRelatedExpense" onclick="toggleNextSibling(this);">24,424,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LaborAndRelatedExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Net occupancy expense</a></td>
        <td class="nump"><a title="us-gaap_OccupancyNet" onclick="toggleNextSibling(this);">2,964,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OccupancyNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_OccupancyNet" onclick="toggleNextSibling(this);">2,937,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OccupancyNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_OccupancyNet" onclick="toggleNextSibling(this);">2,800,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OccupancyNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Equipment expense</a></td>
        <td class="nump"><a title="us-gaap_EquipmentExpense" onclick="toggleNextSibling(this);">1,892,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquipmentExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_EquipmentExpense" onclick="toggleNextSibling(this);">1,851,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquipmentExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_EquipmentExpense" onclick="toggleNextSibling(this);">1,764,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EquipmentExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
        <td class="nump"><a title="us-gaap_ProfessionalFees" onclick="toggleNextSibling(this);">5,409,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProfessionalFees</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProfessionalFees" onclick="toggleNextSibling(this);">4,327,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProfessionalFees</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProfessionalFees" onclick="toggleNextSibling(this);">3,870,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProfessionalFees</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SuppliesAndPostageExpense', window );">Supplies, postage, and freight</a></td>
        <td class="nump"><a title="us-gaap_SuppliesAndPostageExpense" onclick="toggleNextSibling(this);">761,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SuppliesAndPostageExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_SuppliesAndPostageExpense" onclick="toggleNextSibling(this);">810,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SuppliesAndPostageExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_SuppliesAndPostageExpense" onclick="toggleNextSibling(this);">830,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_SuppliesAndPostageExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxesOther', window );">Miscellaneous taxes and insurance</a></td>
        <td class="nump"><a title="us-gaap_TaxesOther" onclick="toggleNextSibling(this);">1,174,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TaxesOther</span><span></span></td>
        <td class="nump"><a title="us-gaap_TaxesOther" onclick="toggleNextSibling(this);">1,467,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TaxesOther</span><span></span></td>
        <td class="nump"><a title="us-gaap_TaxesOther" onclick="toggleNextSibling(this);">1,439,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TaxesOther</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">Federal deposit insurance expense</a></td>
        <td class="nump"><a title="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" onclick="toggleNextSibling(this);">636,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" onclick="toggleNextSibling(this);">611,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" onclick="toggleNextSibling(this);">441,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment charge</a></td>
        <td class="nump"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">669,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">4,906,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">5,105,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherNoninterestExpense" onclick="toggleNextSibling(this);">5,073,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherNoninterestExpense</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total Non-Interest Expense</a></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">43,371,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">42,223,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">40,641,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">4,621,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,482,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,280,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">1,598,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,289,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,241,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">3,023,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,193,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,039,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Preferred stock dividends</a></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">210,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">209,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
        <td class="nump"><a title="us-gaap_DividendsPreferredStock" onclick="toggleNextSibling(this);">828,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DividendsPreferredStock</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 2,813,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 4,984,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" onclick="toggleNextSibling(this);">$ 4,211,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Basic:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Average number of shares outstanding</a></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">18,793</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">18,942</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" onclick="toggleNextSibling(this);">19,685</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Diluted:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Average number of shares outstanding</a></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">18,908</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">19,034</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
        <td class="nump"><a title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" onclick="toggleNextSibling(this);">19,747</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared</a></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.03</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.00</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Taxable portion of interest and fee income on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax exempt portion of interest and fee income on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 405<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DividendsPreferredStock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 52<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.23)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareBasicAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareDilutedAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EquipmentExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalDepositInsuranceCorporationPremiumExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsDepositorAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FeesAndCommissionsDepositorAccounts</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsMortgageBanking">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The noninterest income derived from mortgage banking activities (fees and commissions), excluding fees earned from servicing third-party assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FeesAndCommissionsMortgageBanking</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph h<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 08<br><br><br><br> -Paragraph h<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Income Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (a),(b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1-5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Available-for-Sale Securities<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating interest income, including amortization and accretion of premiums and discounts, on held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract</td>
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                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 9<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpense</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseAbstract</td>
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                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 6<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDeposits</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on short-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseJuniorSubordinatedDebentures</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from funds deposited with both domestic and foreign financial institutions including funds in money market and other accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeDepositsWithFinancialInstitutions</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest earned on funds deposited in US domestic money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeMoneyMarketDeposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestExpenseAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestIncomeAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OccupancyNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherNoninterestExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -Subparagraph (k)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProfessionalFees</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 11<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SuppliesAndPostageExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenses directly related to the supplies and postage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SuppliesAndPostageExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Taxes, excluding payroll, income and excise taxes, if not included elsewhere, that could include production, real and personal property, and other selling and distribution-related taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TaxesOther</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LOANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">4.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">LOANS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31,</font></strong></td>
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<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5"><strong><font style="font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Loans, net of unearned income</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
</tr>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Loan balances at December 31, 2014 and 2013 are net of unearned income of $<font>554,000</font> and $<font>581,000</font>, respectively. Real estate construction loans comprised <font>3.5</font>% and <font>3.0</font>% of total loans net of unearned income at December 31, 2014 and 2013, respectively. The Company has <font>no</font> exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has <font>no</font> direct loan exposure to foreign countries. Additionally, the Company has <font>no</font> significant industry lending concentrations. As of December 31, 2014 and 2013, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed <font>10</font>% of total loans. Additionally, the majority of the Company's lending occurs within a <font>250</font> mile radius of the Johnstown market.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management's opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $<font>847,000</font> and $<font>853,000</font> at December 31, 2014 and 2013, respectively.</font></p>
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                <p>The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>INVESTMENT SECURITIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">3.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">INVESTMENT SECURITIES</font></strong></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The cost basis and fair values of investment securities are summarized as follows:</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><font style="font-size: 10pt;"><b>COST<br/>BASIS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED</b></font><br/><font style="font-size: 10pt;"> <b>GAINS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED</b></font><br/><font style="font-size: 10pt;"> <b>LOSSES</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>FAIR</b></font><br/><font style="font-size: 10pt;"> <b>VALUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,931</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>21</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(46</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,497</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>61</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(122</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>102,888</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,197</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(317</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>124,316</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,279</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(485</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities held to maturity:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><font style="font-size: 10pt;"><b>COST<br/>BASIS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED<br/> GAINS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>GROSS</b></font><br/><font style="font-size: 10pt;"> <b>UNREALIZED<br/> LOSSES</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160;<strong> FAIR <br/>VALUE </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,481</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>395</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(50</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,826</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,364</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,414</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,995</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(28</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,973</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>475</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(102</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">COST<br/>BASIS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">GROSS</font></strong><br/><strong><font style="font-size: 10pt;"> UNREALIZED</font></strong><br/><strong><font style="font-size: 10pt;"> GAINS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">GROSS</font></strong><br/><strong><font style="font-size: 10pt;"> UNREALIZED</font></strong><br/><strong><font style="font-size: 10pt;"> LOSSES</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>FAIR </strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,926</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>35</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(126</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11,992</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>21</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(252</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>121,480</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,129</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,227</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>140,398</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,185</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,605</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>141,978</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; width: 20px; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities held to maturity:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="14"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="14" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">COST<br/>BASIS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> GROSS<br/>UNREALIZED<br/>GAINS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> GROSS <br/>UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>FAIR </strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="14" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 48%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,671</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(477</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,483</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,521</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,401</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other securities</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,995</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(91</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,904</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>18,187</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(688</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>17,788</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Maintaining investment quality is a primary objective of the Company's investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody's Investors Service or Standard &amp; Poor's rating of A. At December 31, 2014, <font>84.1</font>% of the portfolio was rated AAA as compared to <font>89.0</font>% at December 31, 2013. <font>3.8</font>% of the portfolio was rated below A or unrated on December 31, 2014. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded <font>10</font>% of shareholders' equity at December 31, 2014.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $<font>104,780,000</font> at December 31, 2014 and $<font>110,780,000</font> at December 31, 2013.</font></p>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The Company realized $<font>182,000</font> of gross investment security gains and $<font>5,000</font> of gross investment security losses in <font>2014</font> and $<font>289,000</font> of gross investment security gains and $<font>85,000</font> of investment security losses in <font>2013</font>, and $<font>12,000</font> of gross investment gains and <font>no</font> investment security losses in <font>2012</font>. On a net basis, the realized gain for <font>2014</font> was $<font>117,000</font> after factoring in tax expense of $<font>60,000</font> and the realized gain for <font>2013</font> was $<font>135,000</font> after factoring in tax expense of $<font>69,000</font>, and the realized gain for <font>2012</font> was $<font>8,000</font> after factoring in tax expense of $<font>4,000</font>. Proceeds from sales of investment securities available for sale were $<font>5.2</font> million for <font>2014</font>, $<font>11.2</font> million for <font>2013</font>, and $<font>4.2</font> million during <font>2012</font>.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2014. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company's consolidated investment securities portfolio had an effective duration of approximately <font>2.95</font> years.<b> </b>The weighted average expected maturity for available for sale securities at December 31, 2014 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was <font>2.95</font>, <font>4.25</font> and <font>4.85</font> years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2014 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were <font>6.37</font> and <font>5.78</font> years.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div><div style="display: block;">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; /* background-color: #fffff0;">Investment securities available for sale:</font></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="30"><font style="font-size: 10pt;"><b></b></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap"><br/></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="30" nowrap="nowrap"><font style="font-size: 10pt;"><b>AT DECEMBER 31, 2014</b></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.<br/>AGENCY</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.&#160;AGENCY<br/>MORTGAGE-<br/>BACKED&#160;SECURITIES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>CORPORATE<br/>BONDS</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL<br/>INVESTMENT<br/>SECURITIES<br/>AVAILABLE<br/>FOR&#160;SALE</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" nowrap="nowrap" colspan="38"><font style="font-size: 10pt;"><strong> </strong></font><font style="font-size: 10pt;"><strong>&#160;</strong></font><font style="font-size: 10pt;"></font><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT YIELDS)</font><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 28%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">COST BASIS</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.00</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.00</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.38</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,696</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4.46</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,999</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.75</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,626</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.96</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,498</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.05</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>17,838</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.46</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within&#160;<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>56,783</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>56,783</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.56</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.56</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.48</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>102,888</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,497</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.90</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>124,316</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.52</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,013</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,013</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,893</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,791</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,675</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,671</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,445</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,116</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>58,141</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>58,141</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>35,165</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>35,165</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 20px;" nowrap="nowrap"><font style="font-size: 10pt;">Investment securities held to maturity:</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>U.S.&#160;AGENCY<br/> MORTGAGE-<br/>BACKED <br/>SECURITIES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>CORPORATE <br/> BONDS <br/> AND <br/> OTHER</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL<br/>INVESTMENT<br/>SECURITIES<br/>HELD&#160;TO<br/>MATURITY</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT YIELDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">COST BASIS</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="width: 1%; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><strong><font>&#151;</font></strong></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.35</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.35</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.40</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>851</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.63</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,810</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.67</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,162</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.27</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,162</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.27</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,522</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.45</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,346</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4.49</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>11,868</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,481</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.20</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,359</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2.96</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3.11</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">FAIR VALUE</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Within <font>1</font> year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,991</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>1</font> year but within <font>5</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>981</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>981</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>5</font> years but within <font>10</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,931</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>868</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,799</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">After <font>10</font> years but within<font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,140</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,140</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Over <font>15</font> years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,895</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,407</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,302</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,826</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>7,387</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div></div>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following tables present information concerning investments with unrealized losses as of December 31, 2014 (in thousands):</font></p>
<div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"><font style="font-size: 10pt;"><strong>Total investment securities:</strong></font><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>LESS THAN 12 MONTHS</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>12 MONTHS OR LONGER</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>FAIR</b></font><br/><font style="font-size: 10pt;"><b>VALUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR <br/>VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR <br/>VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED <br/>LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>996</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(4</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,858</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(42</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,854</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(46</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,826</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(13</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>20,408</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(354</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>23,234</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(367</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>150</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(1</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>988</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(23</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,138</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other&#160;&#160;securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,960</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(43</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,891</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(107</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>11,851</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(150</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6,932</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(61</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>33,145</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(526</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>40,077</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(587</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; text-align: left;border-bottom-width: 1pt !important;border-bottom-style: solid !important;border-bottom-color: rgb(0, 0, 0) !important;" nowrap="nowrap" rowspan="2"><strong><font style="font-size: 10pt;">Total investment securities:</font></strong><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">LESS THAN 12 MONTHS</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">12 MONTHS OR LONGER</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">TOTAL</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">FAIR</font></strong><br/><strong><font style="font-size: 10pt;">VALUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> FAIR </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">VALUE </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> UNREALIZED </font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">LOSSES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 34%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,812</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(64</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>938</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(62</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,750</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 8%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(126</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>52,163</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,701</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>669</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(3</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>52,832</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,704</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Taxable municipal</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>891</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>891</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Corporate bonds and other&#160;&#160;securities</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,687</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(300</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,957</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(43</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,644</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(343</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>66,553</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,185</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,564</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(108</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>71,117</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,293</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
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                <p>The entire disclosure for  investments in certain debt and equity securities.</p>
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">15.</font></strong></td>
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<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">FUTURE MINIMUM&#160;</font></strong><strong><font style="font-family: 'times new roman', times;">LEASE PAYMENTS</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></strong></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 87%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>711</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2016</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>585</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2017</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>426</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2018</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>280</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2019</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>159</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">2020 and thereafter</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,561</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 35pt; */ text-align: justify; text-indent: 0.2in; margin-bottom: 0pt; margin-top: 0PT;"><font style="font-family: 'times new roman', times; font-size: 10pt;">In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $<font>732,000</font>, $<font>764,000</font> and $<font>785,000</font>, in 2014, 2013, and 2012, respectively.</font></p>
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                <p>The entire disclosure for lessee entity's leasing arrangements including, but not limited to, all of the following: (a.) The basis on which contingent rental payments are determined, (b.) The existence and terms of renewal or purchase options and escalation clauses, (c.) Restrictions imposed by lease agreements, such as those concerning dividends, additional debt, and further leasing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 18pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">11.</font></strong></td>
<td style="text-align: left; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15.1pt;"><font style="font-size: 10pt;">The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -45pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management's best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -45pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2014 and 2013, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="text-decoration: underline; font-size: 10pt;">Assets and Liability Measured on a Recurring Basis</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>TOTAL</b></font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 1)</b></font></p>
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<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 2)</b></font></p>
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<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 3)</b></font></p>
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</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">U.S. Agency securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>5,906</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>105,768</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>15,436</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>TOTAL</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 1)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 2)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 3)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"><font style="font-size: 10pt;">U.S. Agency securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>6,835</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">U.S. Agency mortgage-backed securities</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>123,382</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Corporate bonds</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>11,761</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="text-decoration: underline; font-size: 10pt;">Assets Measured on a Non-recurring Basis</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">Assets measured at fair value on a non-recurring basis are summarized below (in thousands):</font></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="14" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px; font-family: 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>TOTAL</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 1)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 2)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;">
<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center;"><font style="font-size: 8pt;"><b>(LEVEL 3)</b></font></p>
</td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 48%; text-indent: 20px; background-color: #cceeff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>

<div align="center">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="14" nowrap="nowrap"><font style="font-size: 8pt;"><strong>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>TOTAL</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 1)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 2)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(LEVEL 3)</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Assets:</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 48%; background-color: #cceeff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #cceeff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><br/></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;"></font><br/></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2014, impaired loans with a carrying value of $<font>989,000</font> were reduced by specific valuation allowance totaling $<font>520,000</font> resulting in a net fair value of $<font>469,000</font>. At December 31, 2013, impaired loans with a carrying value of $<font>3.1</font> million were reduced by specific valuation allowance totaling $<font>813,000</font> resulting in a net fair value of $<font>2.3</font> million.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;"></font><br/></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;"></font><br/></p>
<div align="center">
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-right: 0.100000001490116px;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>December 31, 2014</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Quantitative Information About Level 3 Fair Value Measurements</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Fair Value</strong><br/></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Valuation&#160;Techniques</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Unobservable Input</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Range(Wgtd Ave)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #ffffff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; width: 35%; background-color: #ffffff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong><font>469</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>0</font>% to <font>37</font>%(<font>30</font>%)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>15</font>%(<font>10</font>%)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1),(3)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"><font>47</font>% to <font>83</font>%(<font>55</font>%)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>61</font>%(<font>9</font>%)</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: left;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="9" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Quantitative Information About Level 3 Fair Value Measurements</strong></font></td>
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<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"> </font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Fair Value</strong><br/></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Valuation Techniques</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Unobservable Input</strong></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>Range(Wgtd Ave)</strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 35%; text-indent: 10px; background-color: #ffffff;"><font style="font-size: 10pt;">Impaired loans</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%; background-color: #ffffff;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>2,253</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20%; background-color: #ffffff;"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1)</sup></font></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 15%; background-color: #ffffff;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 14%; background-color: #ffffff;"><font style="font-size: 10pt;"><font>0</font>% to <font>37</font>%(<font>30</font>%)</font></td>
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<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>15</font>%(<font>10</font>%)</font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">Appraisal of collateral<font style="font-size: 9pt;"><sup>(1),(3)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Appraisal adjustments<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"><font>31</font>% to <font>48</font>%(<font>38</font>%)</font></td>
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<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;">Liquidation expenses<font style="font-size: 9pt;"><sup>(2)</sup></font></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1</font>% to <font>20</font>%(<font>10</font>%)</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: left; text-indent: -0.25in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.25in; font-family: 'times new roman';"><font style="font-size: 10pt;">(1)</font></td>
<td style="text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</font></td>
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<td style="width: 0.25in; font-family: 'times new roman';"><font style="font-size: 10pt;">(2)</font></td>
<td style="text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</font></td>
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<td style="width: 0.25in; font-family: 'times new roman';"><font style="font-size: 10pt;">(3)</font></td>
<td style="text-align: left; font-family: 'times new roman';">Includes qualitative adjustments by management and estimated liquidation expenses.</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure of the fair value measurement of assets and liabilities, which includes financial instruments measured at fair value that are classified in shareholders' equity, which may be measured on a recurring or nonrecurring basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19279-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19190-110258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E6GAC">
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          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
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          <div>Dec. 31, 2013</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess', window );">Three months or less</a></td>
        <td class="nump"><a title="us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" onclick="toggleNextSibling(this);">$ 4,483</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths', window );">Over three through six months</a></td>
        <td class="nump"><a title="us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" onclick="toggleNextSibling(this);">23,171</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months', window );">Over six through twelve months</a></td>
        <td class="nump"><a title="us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" onclick="toggleNextSibling(this);">13,928</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months', window );">Over twelve months</a></td>
        <td class="nump"><a title="us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" onclick="toggleNextSibling(this);">8,947</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">$ 50,529</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
        <td class="nump"><a title="us-gaap_TimeDeposits100000OrMore" onclick="toggleNextSibling(this);">$ 47,287</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TimeDeposits100000OrMore</span><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, after twelve months from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from six months through twelve months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for three months or less from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from three months through six months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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<tr style="vertical-align: top;">
<td style="width: 18pt;"></td>
<td style="width: 17pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">7.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">PREMISES AND EQUIPMENT</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">An analysis of premises and equipment follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31,</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"></font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-size: 10pt;">Land</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>1,198</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>1,208</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Premises</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>24,175</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>25,752</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Furniture and equipment</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,337</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8,912</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Leasehold improvements</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>689</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>803</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total at cost</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>34,399</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>36,675</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Less:&#160;Accumulated&#160;depreciation&#160;and&#160;amortization</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>21,387</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>23,556</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Net book value</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>13,012</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13,119</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">The Company recorded depreciation expense of $<font>1.8</font> million and $<font>1.7</font>&#160;million for the years 2014 and 2013, respectively.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E5G">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details) (USD $)<br></strong></div>
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        <th class="th">
          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Cash reserves required to be maintained under Federal Reserve Bank regulations</a></td>
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                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EIJBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details) (Series E Preferred Stock [Member])<br></strong></div>
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      <tr>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Annualized Dividend Rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_PreferredStockDividendRatePercentage[asrv_DividendRateOfPreferredStockAxis=asrv_TermThreeMember;us-gaap_RangeAxis=us-gaap_MinimumMember;us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember]" onclick="toggleNextSibling(this);">1.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockDividendRatePercentage<br>/ asrv_DividendRateOfPreferredStockAxis<br>= asrv_TermThreeMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember<br>/ us-gaap_StatementClassOfStockAxis<br>= us-gaap_SeriesEPreferredStockMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DividendAnnualizedPeriod', window );">Dividend Annualized Period</a></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_PreferredStockDividendRatePercentage[asrv_DividendRateOfPreferredStockAxis=asrv_TermTwoMember;us-gaap_RangeAxis=us-gaap_MaximumMember;us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockDividendRatePercentage<br>/ asrv_DividendRateOfPreferredStockAxis<br>= asrv_TermTwoMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember<br>/ us-gaap_StatementClassOfStockAxis<br>= us-gaap_SeriesEPreferredStockMember</span><span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump"><a title="us-gaap_PreferredStockDividendRatePercentage[asrv_DividendRateOfPreferredStockAxis=asrv_TermThreeMember;us-gaap_RangeAxis=us-gaap_MaximumMember;us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember]" onclick="toggleNextSibling(this);">7.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_PreferredStockDividendRatePercentage<br>/ asrv_DividendRateOfPreferredStockAxis<br>= asrv_TermThreeMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember<br>/ us-gaap_StatementClassOfStockAxis<br>= us-gaap_SeriesEPreferredStockMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Between January 1, 2014 and February 7, 2016, the Company's dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td>
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                <p>Dividend annualized period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
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                <p>No definition available.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">ALLOWANCE FOR LOAN LOSSES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div style="display: block;">
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; margin-top: 0px; margin-bottom: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: top;">
<td width="0px"></td>
<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">5.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">ALLOWANCE FOR LOAN LOSSES</font></strong></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2013 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-<br/>OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> PROVISION<br/>(CREDIT) </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2014 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,844</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(172</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>141</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>449</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,885</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(708</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>231</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(506</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,902</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,260</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(322</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>71</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>301</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(121</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>24</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>151</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>979</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(20</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,104</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(1,323</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>467</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,623</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2012 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-<br/>OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> PROVISION<br/>(CREDIT) </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2013 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,596</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(50</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>80</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>218</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,796</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,777</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>481</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,615</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,885</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,269</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(139</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>122</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>150</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(154</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>136</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>760</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>219</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,571</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>753</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,100</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,104</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2011 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> PROVISION</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">(CREDIT) </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">DECEMBER 31, 2012 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,365</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(345</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>138</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>438</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,596</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,400</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(796</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>245</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,053</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,796</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,270</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(420</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>54</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>365</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,269</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>174</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(200</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>47</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>129</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>150</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,414</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(654</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>760</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>14,623</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,761</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>484</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(775</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,571</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2014. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The positive provision for loan losses in commercial and real-estate mortgage loans was needed to support the loan growth experienced in these categories during 2014. <b> </b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div style="display: block;">
<div style="display: block;">
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>(IN THOUSANDS)</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Loans:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>COMMERCIAL</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>COMMERCIAL </b><br/> <b>LOANS </b><br/> <b>SECURED BY </b><br/> <b>REAL ESTATE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; text-align: center; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>REAL <br/> ESTATE-</b><br/> <b>MORTGAGE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>CONSUMER </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Individually&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Collectively&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>409,340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>826,091</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total loans</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>(IN THOUSANDS)</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Allowance for loan losses:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>COMMERCIAL</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>COMMERCIAL</b><br/> <b>LOANS</b><br/> <b>SECURED BY</b><br/> <b>REAL ESTATE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>REAL</b><br/> <b>ESTATE-</b><br/> <b>MORTGAGE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>CONSUMER </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>ALLOCATION </b><br/> <b>FOR GENERAL </b><br/> <b>RISK</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>TOTAL </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Specific reserve allocation</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">General reserve allocation</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,382</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,103</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total&#160;allowance&#160;for&#160;loan&#160;losses</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,902</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,623</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18"><strong><font style="font-size: 10pt;">(IN THOUSANDS)</font></strong></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Loans:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">COMMERCIAL</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">COMMERCIAL <br/> LOANS <br/> SECURED BY <br/> REAL ESTATE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">REAL ESTATE-<br/> MORTGAGE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; CONSUMER </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; TOTAL </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Individually&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Collectively&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>408,686</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,803</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>780,280</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total loans</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><strong><font style="font-size: 10pt;">(IN THOUSANDS)</font></strong></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;"> </font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">Allowance for loan losses:</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">COMMERCIAL</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">COMMERCIAL<br/> LOANS <br/> SECURED BY <br/> REAL ESTATE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">REAL <br/> ESTATE-<br/> MORTGAGE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; CONSUMER </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">ALLOCATION <br/> FOR GENERAL<br/> RISK</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; TOTAL </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Specific reserve allocation</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>812</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>813</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">General reserve allocation</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,073</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>135</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,291</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total&#160;allowance&#160;for&#160;loan&#160;losses</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,885</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>136</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,104</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><br/></p>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The segments of the Company's loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company's management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, <font>no</font> further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans secured by residential real estate.&#160;The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $<font>100,000</font> that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using <font>one</font> of <font>three</font> methods:&#160;&#160;(a) the present value of expected future cash flows discounted at the loan's effective interest rate; (b) the loan's observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company's policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.</font></p>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank's internal Assigned Risk Department to support the value of the property.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank's internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the passage of time;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the volatility of the local market;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the availability of financing;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">natural disasters;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the inventory of competing properties;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or</font></td>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font: 13.33px/normal 'times new roman'; color: #000000; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; float: none; display: inline !important; white-space: normal; background-color: #fffff0; -webkit-text-stroke-width: 0px;">&#149;</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">environmental contamination.</font></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank's Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><b>DECEMBER 31, 2014</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><b>IMPAIRED LOANS WITH</b></font><br/><font style="font-size: 10pt;"> <b>SPECIFIC ALLOWANCE</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>IMPAIRED</b><br/> <b>LOANS&#160;WITH</b><br/> <b><font>NO</font>&#160;SPECIFIC</b><br/> <b>ALLOWANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><b>TOTAL&#160;&#160;IMPAIRED&#160;LOANS</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
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<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RELATED</b><br/> <b>ALLOWANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>UNPAID&#160;</b><br/> <b>PRINCIPAL</b><br/> <b>BALANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font: 10pt/normal 'times new roman'; padding: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;" colspan="18"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,069</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><strong><font style="font-size: 10pt;">DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><br/><strong><font style="font-size: 10pt;">IMPAIRED LOANS WITH<br/> SPECIFIC ALLOWANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">IMPAIRED</font></strong><br/><strong><font style="font-size: 10pt;"> LOANS&#160;WITH</font></strong><br/><strong><font style="font-size: 10pt;"> <font>NO</font>&#160;SPECIFIC</font></strong><br/><strong><font style="font-size: 10pt;"> ALLOWANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">TOTAL&#160;&#160;IMPAIRED&#160;LOANS</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">RECORDED </font></strong><br/><strong><font style="font-size: 10pt;">INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RELATED</font></strong><br/><strong><font style="font-size: 10pt;"> ALLOWANCE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RECORDED</font></strong><br/><strong><font style="font-size: 10pt;"> INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RECORDED</font></strong><br/><strong><font style="font-size: 10pt;"> INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">UNPAID&#160;&#160;<br/> PRINCIPAL<br/> BALANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; width: 35%;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>812</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,118</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>813</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,179</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Average impaired balance:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10"></td>
<td style="font-family: 'Times New Roman';"></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; width: 61%; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,756</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,459</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,754</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>37</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Average investment in impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,756</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,509</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,770</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman'; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Interest income recognized:</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Interest income recognized on a cash basis on impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>14</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first <font>five</font> &#147;Pass&#148; categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than <font>90</font> days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $<font>250,000</font> within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company's commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company's internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board's Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2014 required review of a minimum range of <font>50</font>% to <font>55</font>% of the commercial loan portfolio.</font></p>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $<font>1,000,000</font>, all credits rated Special Mention or Substandard with aggregate balances greater than $<font>250,000</font>, and all credits rated Doubtful with aggregate balances greater than $<font>100,000</font> on an individual basis to the Company's Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets monthly to monitor the status of problem loans.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong>PASS</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>SPECIAL<br/> MENTION</b></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>SUBSTANDARD </strong></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><strong><strong>&#160;</strong></strong></font></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong>&#160;DOUBTFUL</strong></strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>TOTAL </strong></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"><font style="font-size: 10pt;"><strong></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><strong></strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>132,665</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>161</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6,164</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>406,195</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>620</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,238</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>276</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>538,860</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>781</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,402</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>412</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>549,455</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: -11.45pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
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<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">DECEMBER&#160;31, 2013</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">PASS</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> SPECIAL<br/>MENTION </font></strong></p>
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<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; SUBSTANDARD </font></strong></p>
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<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;DOUBTFUL</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; TOTAL </font></strong></p>
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<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
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<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
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<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>108,623</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8,880</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,599</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>396,788</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,961</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,482</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>460</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>505,411</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,841</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,081</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>460</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>531,793</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><br/></p>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;"><strong><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important; /* background-color: #fffff0;">DECEMBER</font>&#160;31, 2014</strong></font><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><font style="font-size: 10pt;"></font><font style="font-size: 10pt;"><strong><font>PERFORMING</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><font style="font-size: 10pt;"><strong><font>NON-<br/>PERFORMING</font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 20px;"></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;"></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 74%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>257,199</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>276,208</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"><strong><font style="font-size: 10pt;">December 31, 2013</font></strong><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;">PERFORMING</font><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;">NON-<br/>PERFORMING</font><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;"><font>(IN THOUSANDS)</font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 74%; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>234,450</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,239</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;"><font>15,803</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>250,253</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,300</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 14.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.</font></p>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; /* background-color: #fffff0;">DECEMBER</strong>&#160;31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>CURRENT</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>30-59</b><br/> <b>DAYS</b><br/> <b>PAST DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>60-89 </b><br/> <b>DAYS </b><br/> <b>PAST DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>90 DAYS </b><br/> <b>PAST&#160;DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>TOTAL</b><br/> <b>PAST&#160;DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>TOTAL</b><br/> <b>LOANS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>90 DAYS</b><br/> <b>PAST DUE</b><br/> <b>AND&#160;STILL</b><br/> <b>ACCRUING</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="26"><font style="font-size: 10pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,049</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>280</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>280</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>255,021</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>2,196</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>332</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,067</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>3,595</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,927</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>82</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>823,123</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>2,550</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,067</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>3,957</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"><strong><font style="font-size: 10pt;">DECEMBER&#160;31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">CURRENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">30-59<br/> DAYS<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><br/>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">60-89 <br/> DAYS <br/> PAST DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">90 DAYS<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">TOTAL<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">TOTAL<br/> LOANS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">90 DAYS <br/> PAST DUE<br/> AND&#160;STILL<br/> ACCRUING</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="22"><font style="font-size: 10pt;"><font>(IN THOUSANDS)</font></font><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>410,619</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>457</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>615</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,072</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>231,740</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,232</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>670</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,047</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>3,949</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,804</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>33</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>27</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>60</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>778,265</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,722</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>697</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,662</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>5,081</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">An allowance for loan losses (&#147;ALL&#148;) is maintained to absorb losses from the loan portfolio. The ALL is based on management's continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer and residential mortgage portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer and residential mortgage portfolios are based on a <font>three</font> year historical average of actual loss experience.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of <font>three</font> elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company's loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company's management to establish allocations which accommodate each of the listed risk factors.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 22.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#147;Pass&#148; rated credits are segregated from &#147;Criticized&#148; and &#147;Classified&#148; credits for the application of qualitative factors.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 13.5pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL.&#160;&#160;When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.</font></p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<div style="display: block;">
<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;">

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<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">6.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS</font></strong></td>
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</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as TDR&#160;and (iv) OREO&#160;(real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The following tables present information concerning non-performing assets including TDR:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31,</font></strong></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
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<td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong>2013</strong></font></td>
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<td style="text-align: center; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;" nowrap="nowrap"><font style="font-size: 10pt;">Non-accrual loans:</font></td>
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<td style="text-align: center; padding: 0px;" nowrap="nowrap" colspan="6"><font style="font-size: 10pt;">(IN&#160;THOUSANDS,&#160;</font><font style="font-size: 10pt;">EXCEPT&#160;</font><font style="font-size: 10pt;">PERCENTAGES)</font><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 74%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>778</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>1,632</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,239</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,195</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,871</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Other real estate owned:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>384</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>344</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Real estate-mortgage</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>128</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>673</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>512</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,017</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; text-indent: 10px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total restructured loans not in non-accrual (TDR)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>210</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>221</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Total non-performing assets including TDR</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,917</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,109</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.35</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>%</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.52</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">%</font></td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company had no loans past due 90 days or more for the periods presented which were accruing interest.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower's financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank's objective in offering a TDR&#160;is to increase the probability of repayment of the borrower's loan.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">To be considered a TDR, <font style="text-decoration: underline;">both</font> of the following criteria must be met:</font></p>
<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;">

<tr style="vertical-align: top;">
<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify;"><font style="font-size: 10pt;">the borrower must be experiencing financial difficulties; <font style="text-decoration: underline;">and</font></font></td>
</tr>

</table>
<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;">

<tr style="vertical-align: top;">
<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that would not otherwise be considered.</font></td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:</font></p>
<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;">

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<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the borrower is currently in default on their loan(s);</font></td>
</tr>

</table>
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<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the borrower has filed for bankruptcy;</font></td>
</tr>

</table>
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<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify;"><font style="font-size: 10pt;">the borrower has insufficient cash flows to service their loan(s); <font style="text-decoration: underline;">and</font></font></td>
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</table>
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<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.</font></td>
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</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt;"><font style="font-size: 10pt;">Factors that indicate that a concession has been granted include, but are not limited to:</font></p>
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<td style="width: 14.4pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">&#149;</font></strong></td>
<td style="text-align: justify;"><font style="font-size: 10pt;">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; <font style="text-decoration: underline;">or</font></font></td>
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<td style="width: 22.3pt;"></td>
<td style="width: 14.4pt; font-family: 'times new roman';"><strong style="color: #000000; font-family: 'times new roman'; font-size: 16px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><font style="font-size: 10pt;">&#149;</font></strong><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="text-align: justify;">
<p style="margin: 0px;"><font style="font-size: 10pt;">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed <font>120</font> days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.</font></p>
</td>
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</table>
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px;"><font style="font-size: 10pt;">&#160;</font>&#160;</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.0in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower's financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.0in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Any loan modification where the borrower's aggregate exposure is at least $<font>250,000</font> <font style="text-decoration: underline;">and</font> where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR's was $<font>520,000</font> and $<font>344,000</font> as of December 31, 2014 and 2013, respectively.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div style="display: block;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2014 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div align="center">
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>210</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>742</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2013 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>1,250</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">Current<br/>Balance</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>161</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
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</table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table details the TDRs at December 31, 2012 (dollars in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in non-accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Current</font></strong></p>
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Balance</font></strong></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>3,772</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
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</table>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Loans in accrual status</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;"># of Loans</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Current</font></strong></p>
<p style="margin: 0px;"><strong><font style="font-size: 10pt;">Balance</font></strong></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" nowrap="nowrap"><strong><font style="font-size: 10pt;">Concession Granted</font></strong></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 39%; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>2</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 13%;"><font style="font-size: 10pt;"><font>169</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 27%;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><font>Extension of maturity date</font></font></td>
</tr>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><br/></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.<br/><br/></font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of <font>six</font> consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of <font>six</font> consecutive payments in accordance with the terms of the loan.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The following table presents the recorded investment in loans that were modified as TDR's in the previous 12 months and defaulted during these reporting periods (in thousands).</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<td style="text-decoration: underline; text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Recorded investment of defaults</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 61%;"><font style="font-size: 10pt;">Commercial loan secured by real estate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><font>1,480</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; width: 10%;"><font style="font-size: 10pt;"><font>595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 30px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,480</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><br/></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. All TDRs which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. OREO is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 61%; text-indent: 10px;"><font style="font-size: 10pt;">Interest income due in accordance with original terms</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>178</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Interest income recorded</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Net reduction in interest income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>178</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; /* padding: 0px 5px; */ white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>231</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;">&#160;</td>
</tr>

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          <div style="width: 200px;"><strong>DEPOSITS<br></strong></div>
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">8.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">DEPOSITS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;">The following table sets forth the balance of the Company's deposits:</p>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31,</strong></font></td>
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<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Demand:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 78%;"><font style="font-size: 10pt;">Non-interest bearing</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>167,551</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>154,002</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Interest bearing</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>89,676</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>84,926</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Savings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>90,020</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>87,655</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Money market</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>221,378</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>219,801</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Certificates of deposit in denominations of $100,000 or more</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>47,287</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Other time</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>250,727</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>260,851</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total deposits</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>869,881</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>854,522</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 40pt; text-align: justify; text-indent: 0.2in;"><br/></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Interest expense on deposits consisted of the following:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 40pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<div>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong>YEAR ENDED DECEMBER 31,</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2012</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-size: 10pt;">Interest bearing demand</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>191</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>138</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>116</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Savings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>144</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>139</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>181</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Money market</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>761</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>736</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>895</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Certificates of deposit in denominations&#160;of $100,000&#160;or&#160;more</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>268</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>435</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Other time</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,862</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,875</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,889</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>5,164</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,502</font></font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><br/></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2014 maturing in the periods presented:</font></p>
<div class="CursorPointer"><br/></div>
<div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>YEAR:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>OTHER TIME DEPOSITS</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> CERTIFICATES&#160;OF </strong></font><br/><font style="font-size: 8pt;"><strong>DEPOSIT </strong></font><br/><font style="font-size: 8pt;"><strong>OF $100,000 OR MORE</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong><font>130,090</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong><font>41,582</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>30,472</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>8,230</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,515</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>417</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>26,424</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>200</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2019</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,193</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2020 and after</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>37,033</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>100</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong><font>250,727</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"><br/></p>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2014, are as follows:</font></p>
<div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;"></font><br/></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>MATURING IN:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(IN THOUSANDS)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 87%; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Three months or less</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>4,483</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Over three through six months</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>23,171</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Over six through twelve months</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>13,928</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Over twelve months</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,947</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
</tr>

</table>
</div>
</div>
<div class="CursorPointer"><br/></div>
<p style="margin: 0pt 0 0pt 20pt;"><font style="color: #000000; font-family: 'times new roman', times; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 16px; orphans: auto; text-align: left; text-indent: 20px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important;">The aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the FDIC insurance limit at December 31, 2014 and 2013 are $<font>65.2</font> million and $<font>61.0</font> million, respectively.</font></p>
</div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E5DBG">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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        <th class="th">
          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_GainOnSaleOfSecurities', window );">Gross investment gains</a></td>
        <td class="nump"><a title="asrv_GainOnSaleOfSecurities" onclick="toggleNextSibling(this);">$ 182,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_GainOnSaleOfSecurities</span><span></span></td>
        <td class="nump"><a title="asrv_GainOnSaleOfSecurities" onclick="toggleNextSibling(this);">$ 289,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_GainOnSaleOfSecurities</span><span></span></td>
        <td class="nump"><a title="asrv_GainOnSaleOfSecurities" onclick="toggleNextSibling(this);">$ 12,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_GainOnSaleOfSecurities</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossOnSaleOfSecurities', window );">Gross investment losses</a></td>
        <td class="nump"><a title="asrv_LossOnSaleOfSecurities" onclick="toggleNextSibling(this);">5,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_LossOnSaleOfSecurities</span><span></span></td>
        <td class="nump"><a title="asrv_LossOnSaleOfSecurities" onclick="toggleNextSibling(this);">85,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_LossOnSaleOfSecurities</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax', window );">Realized gain (loss), net of tax</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" onclick="toggleNextSibling(this);">117,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" onclick="toggleNextSibling(this);">135,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" onclick="toggleNextSibling(this);">8,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</span><span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Income tax effect</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">60,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">69,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">4,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
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      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for investment securities</a></td>
        <td class="text">2 years 11 months 12 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InvestmentSecuritiesAdditionalTextualAbstract', window );"><strong>Investment Securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">5,242,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">11,185,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" onclick="toggleNextSibling(this);">4,221,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</span><span></span></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings', window );">Book value of securities available for sale and held to maturity</a></td>
        <td class="nump"><a title="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">$ 104,780,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings</span><span></span></td>
        <td class="nump"><a title="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" onclick="toggleNextSibling(this);">$ 110,780,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions', window );">Positions considered temporarily impaired</a></td>
        <td class="nump"><a title="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" onclick="toggleNextSibling(this);">38</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">U.S. Agency [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">2 years 11 months 12 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">4 years 3 months<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">6 years 4 months 13 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">4 years 10 months 6 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember', window );">Corporate bonds and other securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">5 years 9 months 11 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsAAARatingMember', window );">Standard &amp; Poor's, AAA Rating [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated', window );">Portfolio rated</a></td>
        <td class="nump"><a title="asrv_PercentageOfInvestmentSecuritiesPortfolioRated[us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsAAARatingMember]" onclick="toggleNextSibling(this);">84.10%</a><span style="display:none;white-space:normal;text-align:left;">asrv_PercentageOfInvestmentSecuritiesPortfolioRated<br>/ us-gaap_CreditRatingStandardPoorsAxis<br>= us-gaap_StandardPoorsAAARatingMember</span><span></span></td>
        <td class="nump"><a title="asrv_PercentageOfInvestmentSecuritiesPortfolioRated[us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsAAARatingMember]" onclick="toggleNextSibling(this);">89.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_PercentageOfInvestmentSecuritiesPortfolioRated<br>/ us-gaap_CreditRatingStandardPoorsAxis<br>= us-gaap_StandardPoorsAAARatingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsARatingMember', window );">Standard &amp; Poor's, A Rating [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated', window );">Portfolio rated</a></td>
        <td class="nump"><a title="asrv_PercentageOfInvestmentSecuritiesPortfolioRated[us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsARatingMember]" onclick="toggleNextSibling(this);">3.80%</a><span style="display:none;white-space:normal;text-align:left;">asrv_PercentageOfInvestmentSecuritiesPortfolioRated<br>/ us-gaap_CreditRatingStandardPoorsAxis<br>= us-gaap_StandardPoorsARatingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available For Sale Securities, Debt Maturities, Weighted Average Maturity Term</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value of available for sale held to maturity and federal home loan bank.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_GainOnSaleOfSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gain realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_GainOnSaleOfSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held To Maturity Securities, Weighted Average Maturity Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InvestmentSecuritiesAdditionalTextualAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InvestmentSecuritiesAdditionalTextualAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investment Securities, Debt Maturities, Weighted Average Maturity Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LossOnSaleOfSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The loss realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_LossOnSaleOfSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of investment securities portfolio rated.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_PercentageOfInvestmentSecuritiesPortfolioRated</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_InvestmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">invest_InvestmentLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>invest_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure regarding factors used to determine that the impairment of securities categorized as held-to-maturity where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the held-to-maturity investments determined to be temporarily impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CreditRatingStandardPoorsAxis=us-gaap_StandardPoorsAAARatingMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                    <td><strong> Period Type:</strong></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember</td>
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                  <tr>
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                    <td></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
                  </tr>
                  <tr>
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                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>na</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EBXDK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,732</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,403</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,384</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,525</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,200</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,021</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 8,042</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 34,044</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 32,861</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">$ 32,203</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(250)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,100)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(775)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,560</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,593</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,638</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,532</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,867</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,986</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">4,075</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,816</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,323</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">15,744</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,943</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,770</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">11,243</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,620</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,738</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,746</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,413</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,442</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,622</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">43,371</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">42,223</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">40,641</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,147</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">753</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,319</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">2,719</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,773</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,504</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,486</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">4,621</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">398</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">388</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">423</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">389</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">878</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">547</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">434</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">430</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">1,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,289</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">749</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">930</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,841</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,226</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,070</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">1,056</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,089,263</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,056,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets" onclick="toggleNextSibling(this);">1,000,991</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember', window );">Retail Banking [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">20,141</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">20,223</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">20,585</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">57</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">(92)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">(160)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">5,633</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">6,512</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">6,565</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">22,531</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">22,870</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">22,802</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">3,186</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">3,957</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">4,508</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">958</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">1,165</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">1,358</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">2,228</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">2,792</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">3,150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">376,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">347,823</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">376,009</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">347,823</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">336,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember', window );">Commercial Banking [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">16,777</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">15,687</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">14,499</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">318</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">(1,008)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">(615)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">381</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">642</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">585</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">10,868</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">10,148</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">8,970</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">5,972</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">7,189</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">6,729</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">1,819</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">2,166</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">2,044</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">4,153</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">5,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">4,685</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">563,690</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">545,556</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">563,690</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">545,556</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_CommercialBankingMember]" onclick="toggleNextSibling(this);">497,331</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_CommercialBankingMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember', window );">Trust [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">47</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">35</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">35</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">8,118</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">8,391</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">7,784</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">6,967</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">6,605</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">6,387</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">1,198</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">1,821</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">1,432</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">634</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">619</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">487</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">564</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">1,202</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">945</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">5,015</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">4,722</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">5,015</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">4,722</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember]" onclick="toggleNextSibling(this);">4,429</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_TrustMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember', window );">Investment/ Parent [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(2,921)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(3,084)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_InterestIncomeExpenseNet[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(2,916)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">191</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">199</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">9</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">3,005</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">2,600</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">2,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(5,735)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(5,485)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(5,389)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(1,813)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(1,661)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_IncomeTaxExpenseBenefit[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(1,648)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(3,922)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(3,824)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="num"><a title="us-gaap_NetIncomeLoss[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">(3,741)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">$ 144,549</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">$ 157,935</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">$ 144,549</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">$ 157,935</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_Assets[us-gaap_StatementBusinessSegmentsAxis=asrv_InvestmentParentMember]" onclick="toggleNextSibling(this);">$ 162,990</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Assets<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_InvestmentParentMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Assets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br></p>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>duration</td>
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                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=asrv_TrustMember</td>
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          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtAverageOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">959</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtAverageOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtAverageOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">117</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtAverageOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.34%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.34%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Interest rate on year end balance</a></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= us-gaap_FederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember', window );">Short-Term Borrowings [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Balance</a></td>
        <td class="nump"><a title="us-gaap_ShortTermBorrowings[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">38,880</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermBorrowings<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermBorrowings[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermBorrowings<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermBorrowings[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">15,660</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermBorrowings<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum indebtedness at any month end</a></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">47,762</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">41,555</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">19,755</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtAverageOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);"> 18,783</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtAverageOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtAverageOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);"> 16,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtAverageOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShorttermDebtAverageOutstandingAmount[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);"> 5,225</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShorttermDebtAverageOutstandingAmount<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.29%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.26%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DebtInstrumentInterestRateDuringPeriod[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.20%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DebtInstrumentInterestRateDuringPeriod<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Interest rate on year end balance</a></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.27%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.25%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShortTermDebtWeightedAverageInterestRate[us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember]" onclick="toggleNextSibling(this);">0.25%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShortTermDebtWeightedAverageInterestRate<br>/ us-gaap_ShortTermDebtTypeAxis<br>= asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ShortTermDebtInstrumentWeightedAverageTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Debt Instrument, Weighted Average Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_ShortTermDebtInstrumentWeightedAverageTerm</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average effective interest rate during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateDuringPeriod</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Subparagraph a(1)<br><br> -Article 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShortTermBorrowings</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtAverageOutstandingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, average borrowings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShorttermDebtAverageOutstandingAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShortTermDebtLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, maximum month-end borrowings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtWeightedAverageInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average interest rate of short-term debt outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShortTermDebtWeightedAverageInterestRate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=asrv_ShortTermDebtExcludingFederalFundsPurchasedMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShortTermDebtTypeAxis=us-gaap_FederalFundsPurchasedMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>119
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							} else {
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0ETDAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Narative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Loan balances net of unearned income</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableDeferredIncome" onclick="toggleNextSibling(this);">$ 554,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableDeferredIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableDeferredIncome" onclick="toggleNextSibling(this);">$ 581,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableDeferredIncome</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RealEstateConstructionLoansPercentage', window );">Real estate-construction loans, percentage</a></td>
        <td class="nump"><a title="asrv_RealEstateConstructionLoansPercentage" onclick="toggleNextSibling(this);">3.50%</a><span style="display:none;white-space:normal;text-align:left;">asrv_RealEstateConstructionLoansPercentage</span><span></span></td>
        <td class="nump"><a title="asrv_RealEstateConstructionLoansPercentage" onclick="toggleNextSibling(this);">3.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_RealEstateConstructionLoansPercentage</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRelatedParties', window );">Related party loans</a></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableRelatedParties" onclick="toggleNextSibling(this);">$ 847,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableRelatedParties</span><span></span></td>
        <td class="nump"><a title="us-gaap_LoansAndLeasesReceivableRelatedParties" onclick="toggleNextSibling(this);">$ 853,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_LoansAndLeasesReceivableRelatedParties</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RealEstateConstructionLoansPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Real estate-construction loans, percentage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_RealEstateConstructionLoansPercentage</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsReceivableNetAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496975&amp;loc=d3e45377-112738<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableDeferredIncome</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedParties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph e<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableRelatedParties</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract', window );"><strong>COMPONENTS OF NET PERIODIC BENEFIT COST:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 1,601</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 1,703</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanServiceCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 1,593</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanServiceCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,189</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanInterestCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,234</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanInterestCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets', window );">Expected return on plan assets</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,991)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,775)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,656)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit', window );">Amortization of prior year service cost</a></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(19)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(19)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(19)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets', window );">Amortization of transition asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(8)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="num"><a title="us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(17)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_SpecialTerminationBenefitLiability', window );">Special termination benefit liability</a></td>
        <td class="nump"><a title="asrv_SpecialTerminationBenefitLiability[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">376</a><span style="display:none;white-space:normal;text-align:left;">asrv_SpecialTerminationBenefitLiability<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Recognized net actuarial loss</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,181</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">1,094</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension cost</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 2,516</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 2,465</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 2,229</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_SpecialTerminationBenefitLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Special Termination Benefit Liability</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_SpecialTerminationBenefitLiability</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of gains or losses recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the prior service cost or credit recognized in net periodic benefit cost relating to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the transition obligation or asset recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512136<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512171<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInterestCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanServiceCost</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EUEBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" onclick="toggleNextSibling(this);">$ 6,932</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" onclick="toggleNextSibling(this);">$ 66,553</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(61)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(2,185)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" onclick="toggleNextSibling(this);">33,145</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" onclick="toggleNextSibling(this);">4,564</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(526)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(108)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" onclick="toggleNextSibling(this);">40,077</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" onclick="toggleNextSibling(this);">71,117</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(587)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" onclick="toggleNextSibling(this);">(2,293)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">U.S. Agency [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">996</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,812</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(4)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(64)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">2,858</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">938</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(42)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(62)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">3,854</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">4,750</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(46)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(126)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">2,826</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">52,163</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(13)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(1,701)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">20,408</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(354)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(3)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">23,234</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">52,832</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(367)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">(1,704)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember', window );">Taxable Municipal [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">891</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(1)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(120)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">988</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(23)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">1,138</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">891</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(24)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember]" onclick="toggleNextSibling(this);">(120)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_TaxableMunicipalBondsMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember', window );">Corporate bonds and other securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">2,960</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">9,687</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(43)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(300)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">8,891</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">2,957</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(107)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">(43)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">11,851</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">12,644</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">$ (150)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
        <td class="num"><a title="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI[us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember]" onclick="toggleNextSibling(this);">$ (343)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_OtherDebtSecuritiesMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months recognized in Accumulated Other COmprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_OtherDebtSecuritiesMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_TaxableMunicipalBondsMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Expense for Income Taxes) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Current</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_CurrentIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 1,036</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CurrentIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_CurrentIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 139</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CurrentIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_CurrentIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 140</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CurrentIncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">562</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,101</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 398</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 388</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 423</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 389</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 878</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 547</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 434</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 430</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 1,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 2,289</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">$ 2,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Current Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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          </td>
        </tr>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EYMAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock', window );">BUSINESS AND NATURE OF OPERATIONS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">BUSINESS AND NATURE OF OPERATIONS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates <font>17</font> banking locations in <font>five</font> southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $<font>1.8</font> billion that are not recognized on the Company's Consolidated Balance Sheet at December 31, 2014.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">PRINCIPLES OF CONSOLIDATION</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">PRINCIPLES OF CONSOLIDATION:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company's most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">INVESTMENT SECURITIES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">INVESTMENT SECURITIES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Securities are classified at the time of purchase as investment securities held to maturity if it is management's intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company's books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management's intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company's asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders' equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security's performance, the creditworthiness of the issuer and the Company's intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</font></p>
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        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock', window );">FEDERAL HOME LOAN BANK STOCK</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">FEDERAL HOME LOAN BANK STOCK:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $<font>100</font> par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&#160;</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy', window );">LOANS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">LOANS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become <font>90</font> days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">LOAN FEES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">LOAN FEES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">LOANS HELD FOR SALE</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">LOANS HELD FOR SALE:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueTransferPolicyPolicyTextBlock', window );">TRANSFERS OF FINANCIAL ASSETS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 13.5pt;"><font style="font-size: 10pt;">TRANSFERS OF FINANCIAL ASSETS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">PREMISES AND EQUIPMENT</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">PREMISES AND EQUIPMENT:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to <font>30</font> years for buildings and up to <font>10</font> years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy', window );">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">Review of all criticized, classified and impaired loans with aggregate balances over $<font>250,000</font> to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan's performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan's effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company's three-year historical average of actual loan net charge-offs experienced in each of those categories.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: -0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
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<td style="width: 0.2in; font-family: 'times new roman';"><font style="font-size: 10pt;">-</font></td>
<td style="text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company's policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $<font>250,000</font> within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $<font>250,000</font> or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueRecognitionServicesManagementFees', window );">TRUST FEES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">TRUST FEES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</font></p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LifeSettlementContractsPolicy', window );">BANK-OWNED LIFE INSURANCE</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">BANK-OWNED LIFE INSURANCE:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</font></p>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">INTANGIBLE ASSETS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INTANGIBLE ASSETS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">Goodwill</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.4pt;"><font style="font-size: 10pt;">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually.</font></p>
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      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">EARNINGS PER COMMON SHARE</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">EARNINGS PER COMMON SHARE:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase <font>3,625</font>, <font>103,570</font>, and <font>49,842</font> shares of common stock were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $<font>4.60</font>&#160;- $<font>5.22</font>, $<font>3.05</font>&#160;- $<font>5.75</font>, and $<font>2.80</font>&#160;- $<font>5.75</font> during 2014, 2013 and 2012, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</font></p>

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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%; margin-left: 0.1px;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><font style="font-size: 10pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;">2013</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;">2012</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS, EXCEPT PER SHARE DATA)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Numerator:</strong></font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; width: 70%;"><font style="font-size: 10pt;">Net income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>3,023</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,193</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>5,039</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Preferred stock dividends</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>210</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>209</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>828</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Net income available to common shareholders</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,813</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,984</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,211</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: top; text-align: left;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Denominator:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (basic)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,793</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>18,942</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,685</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Effect of stock options</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>115</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>92</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>62</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Weighted average common shares outstanding (diluted)</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,908</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,034</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>19,747</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0.1in; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>Earnings per common share:</strong></font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Basic</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Diluted</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>0.15</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.26</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>0.21</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">STOCK-BASED COMPENSATION</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">STOCK-BASED COMPENSATION:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $<font>42,000</font>, $<font>82,000</font> and $<font>38,000</font> of pretax compensation expense for the years 2014, 2013 and 2012. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.</font></p>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">ACCUMULATED OTHER COMPREHENSIVE LOSS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">ACCUMULATED OTHER COMPREHENSIVE LOSS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">CONSOLIDATED STATEMENT OF CASH FLOWS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">CONSOLIDATED STATEMENT OF CASH FLOWS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $<font>1,063,000</font> in income tax payments in 2014; $<font>137,000</font> in 2013; and $<font>142,000</font> in 2012. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $<font>660,000</font> in 2014; $<font>766,000</font> in 2013; and $<font>1,266,000</font> in 2012. The Company made total interest payments of $<font>6,475,000</font> in 2014; $<font>6,781,000</font> in 2013; and $<font>8,154,000</font> in 2012.</font></p>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">INCOME TAXES</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INCOME TAXES:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 15pt;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</font></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">INTEREST RATE CONTRACTS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">INTEREST RATE CONTRACTS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &#147;Other Comprehensive Income,&#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;">The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</font></p>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementPlansPolicy', window );">PENSION:</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;">PENSION:</h5>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company's pension obligations and future expense. Our pension benefits are described further in Note 12 of the Notes to Consolidated Financial Statements.</p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock', window );">FAIR VALUE OF FINANCIAL INSTRUMENTS:</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<h5 style="color: #000000; font-style: normal; font-variant: normal; letter-spacing: normal; orphans: auto; text-indent: 0pt; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; font-weight: normal; padding: 3pt 0pt 3pt 24px; margin: 0pt;">FAIR VALUE OF FINANCIAL INSTRUMENTS:</h5>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level I&#160;&#151;&#160;Valuation is based upon quoted prices for identical instruments traded in active markets.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level II&#160;&#151;&#160;Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Level III&#160;&#151;&#160;Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the asset.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles.</p>
<p style="color: #000000; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-indent: 20px; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; line-height: 12pt; padding: 3pt 0pt 3pt 4px; margin: 0pt;">Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.</p>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">RECENT ACCOUNTING STANDARDS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.5pt;"><font style="font-size: 10pt;">RECENT ACCOUNTING STANDARDS:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 13.5pt;"><font style="font-size: 10pt;">In January 2014, the FASB issued ASU 2014-04, <i>Receivables &#150; Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. </i>The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction<i>.</i> The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company's financial statements.</font></p>
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                <p>Business And Nature Of Operations, Policy [Policy Text Block].</p>
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                <p>Federal Home Loan Bank Stock, Policy [Policy Text Block].</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 305<br><br> -SubTopic 10<br><br> -Section 05<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375392&amp;loc=d3e26790-107797<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Financial Reporting Release (FRR)<br><br> -Number 203<br><br> -Paragraph 02-03<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=d3e5614-111684<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.3A-02)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27015204&amp;loc=d3e355033-122828<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph k<br><br> -Article 1<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02, 03<br><br> -Article 3A<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=d3e41620-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=SL5579245-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=SL5579240-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=d3e41638-113959<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph n<br><br> -Article 4<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35706170&amp;loc=d3e41675-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for determining when transfers between levels are recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (bb)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36462937&amp;loc=d3e19207-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Describes an entity's accounting policy and methodology for estimating its allowance for loan and lease losses, and its accounting policy for nonperforming loans. The description identifies the factors that influenced management of the entity in establishing the level of the allowance (for example, historical losses and existing economic conditions) and also may include discussion of the risk elements relevant to particular categories of receivables. The disclosure also may describe any liability the entity has recorded for off-balance sheet credit losses and may include the basis for determining each element of the allowance for loan and lease losses. The disclosure also could discuss the entity's policy for (1) placing loans on nonaccrual status (or discontinuing accrual of interest) and recording payments received on nonaccrual loans, and the policy for resuming accrual of interest, (2) charging-off uncollectible loans, and (3) determining past due or delinquency status (that is, whether past due status is based on how recently payments have been received or contractual terms).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5093-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for investment. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of commitment and other fees and loan origination costs (including, if applicable, how the entity accounts for fees and costs associated with credit cards that are either purchased or originated) (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition policies for such receivables, including those that are impaired, past due or placed on nonaccrual status (for impaired loans, the policy for recognizing interest income on such loans, including how cash receipts are recorded) and (7) the treatment of foreclosures or repossessions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5093-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3-5<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for sale. This disclosure may include how the entity determines when to classify a loan or receivable as held for sale, the basis at which such receivables are carried in the entity's statements of financial position, how such receivables are valued, the method used to determine the lower of cost or fair value (that is, on an aggregate or individual asset basis), the treatment of commitment and other fees and origination costs, and how transfers to and from the held for investment portfolio are accounted for.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5093-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5033-111524<br><br><br><br></p>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32840-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 30<br><br> -Section 05<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6423966&amp;loc=d3e40913-109327<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 954<br><br> -SubTopic 740<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32809-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=37586315&amp;loc=d3e32247-109318<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=37586315&amp;loc=d3e32280-109318<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for investments in financial assets, including marketable securities (debt and equity securities with readily determinable fair values), investments accounted for under the equity method and cost method, securities borrowed and loaned, and repurchase and resale agreements. For marketable securities, the disclosure may include the entity's accounting treatment for transfers between investment categories and how the fair values for such securities are determined. Also, for all investments, an entity may describe its policy for assessing, recognizing and measuring impairment of the investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872867&amp;loc=d3e40691-111596<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35750535&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 5<br><br> -Section M<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2,12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 2, 12<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InvestmentPolicyTextBlock</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for life settlement contracts including the classification of cash receipts and cash disbursements in the statement of cash flows.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6385267&amp;loc=d3e42658-111610<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6384222&amp;loc=d3e41925-111603<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LifeSettlementContractsPolicy</td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of the accounting policy for recognizing income earned net of related expenses incurred. Describes the fees to be received net of related costs pertaining to lending activities, including acquiring loans, issuing commitments to lend or participating in a loan syndication.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10178-111534<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5144-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for pension and other postretirement benefit plans. This accounting policy may address (1) the types of plans sponsored by the entity, and the benefits provided by each plan (2) groups that participate in (or are covered by) each plan (3) how plan assets, liabilities and expenses are measured, including the use of any actuaries and (4) significant assumptions used by the entity to value plan assets and liabilities and how such assumptions are derived.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414199&amp;loc=d3e39622-114963<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 80<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35742057&amp;loc=d3e29149-114947<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6412939&amp;loc=d3e15145-114933<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PensionAndOtherPostretirementPlansPolicy</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for revenue recognition for management fee income, including those that contain a performance-based incentive fee which are based on a formula. This disclosure also may indicate whether the entity has recorded any revenue that is at risk due to future performance contingencies, the nature of contracts giving rise to the contingencies, and, if material, the amount of any such revenue recorded.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section B<br><br> -Paragraph Question 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.B.Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012821&amp;loc=d3e214044-122780<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 20<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6784405&amp;loc=d3e220004-122787<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_RevenueRecognitionServicesManagementFees</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="10"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;"><strong>YEAR ENDING DECEMBER&#160;31, 2014</strong></font><font style="font-family: 'times new roman', times;"></font></font></td>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap" colspan="10">
<p style="margin: 0px;"><font style="font-size: 8pt;"><strong>YEAR ENDING DECEMBER&#160;31, 2013</strong></font></p>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Net <br/>Unrealized <br/>Gains and <br/>Losses on<br/>Investment <br/>Securities AFS (1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Defined&#160;<br/>Benefit<br/> Pension&#160;<br/>Items (1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Total(1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Net&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Unrealized&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Gains and&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Losses on&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Investment&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Securities&#160;</font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AFS (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Defined&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Benefit</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> Pension&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Items (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Total(1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Beginning balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,043</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,918</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5,875</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,141</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(9,520</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,379</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other&#160;comprehensive&#160;income&#160;(loss)&#160;before&#160;reclassifications</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>917</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,354</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,437</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,963</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,161</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amounts&#160;reclassified&#160;from&#160;accumulated&#160;other&#160;comprehensive&#160;loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(117</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>527</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>410</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(135</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>441</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>306</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net&#160;current&#160;period&#160;other&#160;comprehensive&#160;income&#160;(loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>800</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,827</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,027</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,098</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,602</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(496</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Ending balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,843</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(8,745</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,902</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,043</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(6,918</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,875</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">(1) </font></td>
<td style="width: 1%;"></td>
<td style="width: 98%;">
<div><font style="font-size: 10pt;"><font style="font-size: 10pt;">Amounts in parentheses indicate debits on the Consolidated Balance Sheets.<br/></font></font></div>
</td>
</tr>

</table>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock', window );">Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2014 and 2013 (in thousands):</font></p>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 92%; /* margin-left: 0.5in;">

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<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Amount reclassified from accumulated<br/> other comprehensive loss (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
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<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Details about accumulated other <br/>comprehensive loss components</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>YEAR ENDING DECEMBER&#160;31,<br/> 2014</b></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDING DECEMBER 31,<br/> 2013</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Affected line item in the statement<br/> of operations</font></strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized gains and losses on sale of securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 39%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(177</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(204</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 30%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net realized gains on investment &#160;securities</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>60</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>69</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(117</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(135</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net of tax</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of defined benefit items (2)</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net actuarial loss</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>813</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>683</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Prior service cost</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(14</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Transition asset</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>799</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Pretax income</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(272</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(228</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>527</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>441</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total reclassifications for the period</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>410</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>306</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">(1) </font></td>
<td style="width: 1%;"><br/></td>
<td style="width: 98%;">
<div><font style="font-size: 10pt;"><font style="font-size: 10pt;">Amounts in parentheses indicate credits.<br/></font></font></div>
</td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify;"><br/></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">(2) </font></td>
<td style="width: 1%;"><br/></td>
<td style="width: 98%;">
<div><font style="font-size: 10pt;"><font style="font-size: 10pt;">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).<br/></font></font></div>
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          <div style="width: 200px;"><strong>INCOME TAXES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 17pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">13.</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The expense for income taxes is summarized below:</font></p>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Current</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,036</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>139</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>140</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deferred</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>562</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,101</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income tax expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The reconciliation between the federal statutory tax rate and the Company's effective consolidated income tax rate is as follows:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31,</font></strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="6" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>AMOUNT</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>RATE</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AMOUNT</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">RATE</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></strong></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="22" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;line-height: 12pt;">(IN THOUSANDS, EXCEPT PERCENTAGES)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Income&#160;tax&#160;expense&#160;based&#160;on&#160;federal&#160;statutory&#160;rate</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,571</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34.0</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,544</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>34.0</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,475</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>34.0</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #ffffff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Tax exempt income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(274</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5.9</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(359</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4.8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(315</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4.3</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>301</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6.5</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>104</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>81</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.1</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total expense for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,598</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>34.6</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30.6</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,241</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30.8</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AT DECEMBER 31,</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="6"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">DEFERRED TAX ASSETS:</font></td>
<td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"></td>
<td style="font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Allowance for loan losses</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,272</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,437</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unfunded commitment reserve</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>300</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>264</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Premises and equipment</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,433</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,832</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued pension obligation</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,358</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,462</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net operating loss carryforwards</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>242</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,307</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Alternative minimum tax credits</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,820</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,749</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>349</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>393</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total tax assets</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10,774</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10,444</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">DEFERRED TAX LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment accretion</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(25</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(18</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized investment security gains</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(950</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(545</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 20px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(251</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(309</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 30px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Total tax liabilities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,226</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(872</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net deferred tax asset</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>9,548</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9,572</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">At December 31, 2014 and 2013, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and alternative minimum tax (AMT) credits.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The change in net deferred tax assets and liabilities consist of the following:</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED&#160;</font><font style="font-family: 'times new roman', times;">DECEMBER 31,</font></strong></font></p>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
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<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
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<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized gains recognized in comprehensive income</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(404</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,595</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Pension obligation of the defined benefit plan not yet recognized in income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>942</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,340</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deferred provision for income taxes</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(562</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,150</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 1pt solid !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net decrease</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(24</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,895</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom: #000000 2.80pt double !important; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company has AMT&#160;credit carryforwards of approximately $<font>2.8</font> million at December 31, 2014. These credits have an indefinite carryforward period. The Company also has a $<font>713,000</font> net operating loss carryforward that will begin to expire in the year 2025.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 15pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company's federal and state income tax returns for taxable years through 2010 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.</font></p>
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                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1GAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="6">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning balance</a></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">$ (5,875)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">$ (5,379)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="num"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" onclick="toggleNextSibling(this);">(1,437)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" onclick="toggleNextSibling(this);">(802)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" onclick="toggleNextSibling(this);">410</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" onclick="toggleNextSibling(this);">306</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,027)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(496)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,719)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Ending balance</a></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">(6,902)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">(5,875)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" onclick="toggleNextSibling(this);">(5,379)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember', window );">Net Unrealized Gains and Losses on Investment Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning balance</a></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">1,043</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">4,141</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="nump"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">917</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">(2,963)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="num"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">(117)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">(135)</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">800</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">(3,098)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Ending balance</a></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">1,843</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember]" onclick="toggleNextSibling(this);">1,043</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Defined Benefit Pension Items [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning balance</a></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(6,918)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(9,520)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="num"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(2,354)</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="asrv_OtherComprehensiveIncomeLossBeforeReclassifications[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,161</a><span style="display:none;white-space:normal;text-align:left;">asrv_OtherComprehensiveIncomeLossBeforeReclassifications<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">527</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">441</a><span style="display:none;white-space:normal;text-align:left;">asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">(1,827)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,602</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
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        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num"><a title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax[us-gaap_OtherComprehensiveIncomeLocationAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ (6,918)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax<br>/ us-gaap_OtherComprehensiveIncomeLocationAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr>
        <td colspan="7"></td>
      </tr>
      <tr>
        <td colspan="7">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Amounts in parentheses indicate debits on the Consolidated Balance Sheets.</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amounts Reclassified From Accumulated Other Comprehensive Income Loss</p>
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                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of other comprehensive income (loss) before reclassifications.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669686-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">18.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">STOCK COMPENSATION PLANS</font></strong></td>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; /* margin: 0pt 0px 0pt 35pt; */ text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The Company uses the modified prospective method for accounting for stock-based compensation and recognized $<font>42,000</font> of pretax compensation expense for the year 2014, $<font>82,000</font> in 2013 and $<font>38,000</font> in 2012.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt/normal Times New Roman, Times, Serif; /* margin: 0pt 0px 0pt 35pt; */ text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-top: 0pt; margin-bottom: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">A summary of the status of the Company's Stock Incentive Plan at December 31, 2014, 2013, and 2012, and changes during the years then ended is presented in the table and narrative following:</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>SHARES</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE<br/>PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SHARES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">SHARES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> WEIGHTED</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AVERAGE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">EXERCISE</font></strong></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">PRICE </font></strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 34%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Outstanding at beginning of year</font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>487,349</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.55</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>398,371</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.43</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,612</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 8%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3.02</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Granted</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>115,000</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3.18</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>102,445</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3.19</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>164,241</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.73</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Exercised</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(10,700</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.25</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,467</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.81</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(1,500</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Forfeited</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(31,740</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3.08</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(10,000</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4.25</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(77,982</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.47</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Outstanding at end of year</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>559,909</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.66</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>487,349</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.55</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>398,371</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.43</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Exercisable at end of year</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>330,822</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.36</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>257,253</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.25</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>167,624</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2.29</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Weighted&#160;average&#160;fair&#160;value&#160;of&#160;options&#160;granted&#160;in&#160;current&#160;year</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>0.85</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.83</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0.80</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin-bottom: 0pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">A total of <font>330,822</font> of the <font>559,909</font> options outstanding at December 31, 2014, are exercisable and have exercise prices between $<font>1.53</font> and $<font>5.22</font>, with a weighted average exercise price of $<font>2.36</font>&#160;and a weighted average remaining contractual life of <font>6.10</font> years. All of these options are exercisable. The remaining <font>229,087</font> options that are not yet exercisable have exercise prices between $<font>2.57</font> and $<font>3.23</font>, with a weighted average exercise price of $<font>3.09</font> and a weighted average remaining contractual life of <font>8.63</font><b> </b>years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2014, 2013, and 2012.</font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0px 0pt 35pt; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

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<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-style: normal; font-weight: normal;"></td>
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<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDED DECEMBER 31</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"></td>
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<td style="padding: 0px; text-align: left; font-family: 'times new roman'; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">BLACK-SCHOLES ASSUMPTION RANGES</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2013</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">2012</font></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;"></td>
<td style="text-align: left; font-family: 'Times New Roman'; font-weight: normal; vertical-align: top;"></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'Times New Roman'; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman'; width: 61%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Risk-free interest rate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2.43&#160;</font>-&#160;<font>2.74</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.82&#160;</font>-&#160;<font>2.03</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; width: 10%; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.66&#160;</font>-&#160;<font>2.28</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected lives in years</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>10</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>10</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected volatility</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>28&#160;</font>-&#160;<font>29</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30&#160;</font>-&#160;<font>32</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>33&#160;</font>-&#160;<font>36</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
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<td style="padding: 0px; text-align: left; text-indent: 0px; font-family: 'times new roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">Expected dividend rate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1.25&#160;</font>-&#160;<font>1.30</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>%</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.30</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">%</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap; text-align: right;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>0</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-style: normal; font-weight: normal; vertical-align: bottom; white-space: nowrap;">%</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EKJAC">
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          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2014</div>
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        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">$ (404)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">$ 1,595</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Pension obligation of the defined benefit plan not yet recognized in income</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">943</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,340)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">724</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred provision for income taxes</a></td>
        <td class="num"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(562)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(2,150)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
        <td class="num"><a title="us-gaap_DeferredIncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">(2,101)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DeferredIncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes', window );">Net (decrease)</a></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" onclick="toggleNextSibling(this);">$ (24)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</span><span></span></td>
        <td class="num"><a title="us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" onclick="toggleNextSibling(this);">$ (1,895)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the account that represents the temporary difference that results from Income or Loss that is recognized for accounting purposes but not for tax purposes and vice versa.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit), after reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>PREFERRED STOCK (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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<div class="CursorPointer" align="center">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 80%; margin-left: 0.100000001490116px; margin-right: 0.1px;">

<tr style="vertical-align: bottom;">
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="3" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">DIVIDEND PERIOD ANNUALIZED</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="3" align="center"><br/></td>
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<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">BEGINNING</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" align="center"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ENDING</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" align="center"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;" align="center"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" nowrap="nowrap" colspan="3" align="center"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">ANNUALIZED&#160;DIVIDEND RATE</font></strong></font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px; width: 45%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">August 11, 2011</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 25%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">December 31, 2011</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 25%; text-align: center;" align="right"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>5.0%</font></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;" align="left"><br/></td>
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<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">January 1, 2012</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">December 31, 2013</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.0</font>% to <font>5.0</font>%</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">January 1, 2014</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">February 7, 2016</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;" align="center"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1.0</font>% to <font>7.0</font>%(1)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: center; text-indent: 5.05pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">February 8, 2016</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Redemption</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; text-align: center;" align="right"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>9.0<font style="color: #000000; font-family: 'times new roman', times; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: -webkit-left; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; display: inline !important; float: none; background-color: #ffffff;">%(2)</font></font></font></td>
<td style="font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; padding-right: 5px;" align="left"><br/></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><br/></td>
<td style="width: 3%; vertical-align: top;" valign="top"><font style="font-size: 10pt;">(1)</font></td>
<td style="width: 96%;">
<div><font style="font-size: 10pt; margin: 0pt 0 0pt 0in;">Between January 1, 2014 and February 7, 2016, the Company's dividend rate was fixed at 1% based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</font></div>
</td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;<br/></font></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><br/></td>
<td style="width: 3%;"><font style="font-size: 10pt;">(2)</font></td>
<td style="width: 96%;">
<div>
<div style="text-align: left;"><font style="font-size: 10pt; margin: 0pt 0 0pt 0in;">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.<br/></font></div>
</div>
</td>
</tr>

</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><br/></font></p>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of all or some of the information related to dividends declared, but not paid, as of the financial reporting date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EE4AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" onclick="toggleNextSibling(this);">100.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" onclick="toggleNextSibling(this);">100.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Cash and Cash Equivalents [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CashAndCashEquivalentsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CashAndCashEquivalentsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">10.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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          <div class="a">Mutual Funds/ETFs [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">80.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_ExchangeTradedFundsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">79.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_ExchangeTradedFundsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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          <div class="a">International Equity Securities [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=asrv_InternationalEquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">3.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= asrv_InternationalEquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=asrv_InternationalEquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">6.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= asrv_InternationalEquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
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        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CorporateDebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CorporateDebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CorporateDebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">5.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CorporateDebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of fair value of investments (categorized by debt securities, equity securities, real estate and other plan assets) to the fair value of plan assets held.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e2446-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfDepositLiabilitiesTableTextBlock', window );">Schedule of Balances of Deposits</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong>AT DECEMBER 31,</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap" colspan="5"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Demand:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px; width: 78%;"><font style="font-size: 10pt;">Non-interest bearing</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 0%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>167,551</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 0%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>154,002</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 20px;"><font style="font-size: 10pt;">Interest bearing</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>89,676</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>84,926</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Savings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>90,020</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>87,655</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Money market</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>221,378</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>219,801</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Certificates of deposit in denominations of $100,000 or more</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>47,287</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Other time</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>250,727</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>260,851</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total deposits</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>869,881</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>854,522</font></font></td>
</tr>

</table>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock', window );">Schedule of Interest Expense on Deposits</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;"><strong>YEAR ENDED DECEMBER 31,</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong>2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong> </strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2013</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>2012</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" colspan="2"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="10" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 61%;"><font style="font-size: 10pt;">Interest bearing demand</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><strong><font>191</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>138</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>116</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Savings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>144</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>139</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>181</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Money market</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>761</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>736</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>895</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Certificates of deposit in denominations&#160;of $100,000&#160;or&#160;more</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>268</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>289</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>435</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Other time</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,525</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,862</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,875</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total interest expense</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,889</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>5,164</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,502</font></font></td>
</tr>

</table>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock', window );">Schedule of Balances of Deposits of $100,000 or More</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>YEAR:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>OTHER TIME DEPOSITS</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="5" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong> CERTIFICATES&#160;OF </strong></font><br/><font style="font-size: 8pt;"><strong>DEPOSIT </strong></font><br/><font style="font-size: 8pt;"><strong>OF $100,000 OR MORE</strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-size: 8pt;"></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="5">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;line-height: 12pt;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;">(IN THOUSANDS)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(255, 255, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; width: 74%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;">2015</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong><font>130,090</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-size: 10pt;"><strong><font>41,582</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2016</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>30,472</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>8,230</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2017</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>14,515</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>417</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2018</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>26,424</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>200</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">2019</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12,193</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;">2020 and after</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>37,033</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-size: 10pt;"><strong><font>100</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; text-indent: 10px; font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong><font>250,727</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock', window );">Schedule of Maturities of Deposits of $100,000 or More</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-size: 10pt;"></font><br/></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;" width="100%">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong>MATURING IN:</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong>(IN THOUSANDS)</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; width: 87%; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Three months or less</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>4,483</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Over three through six months</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>23,171</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Over six through twelve months</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>13,928</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-size: 10pt;">Over twelve months</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8,947</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>50,529</font></strong></font></td>
</tr>

</table>
</div>
</div><span></span></td>
      </tr>
    </table>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Deposit Liabilities [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Maturities of Time Deposits of $100,000 or More [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Maturities Of Time Deposits [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                    <td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for interest income and interest expense for enterprises that derive a significant portion of their revenue from interest collected on investments, loans, and securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1 - 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EVIAC">
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">2015</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 1,939</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2016</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,472</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2017</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,752</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2018</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,434</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2019</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">2,573</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2020 and thereafter</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">$ 16,419</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the five fiscal years after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits from a defined benefit plan expected to be paid in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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  <head>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E2KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>COMPREHENSIVE INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract', window );"><strong>Other comprehensive loss, before tax:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent', window );">Pension obligation change for defined benefit plan</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(2,770)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">3,942</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(2,127)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Income tax effect</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">943</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,340)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">724</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized holding gains (losses) on available for sale securities arising during period</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" onclick="toggleNextSibling(this);">1,391</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" onclick="toggleNextSibling(this);">(4,489)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" onclick="toggleNextSibling(this);">(466)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Income tax effect</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" onclick="toggleNextSibling(this);">(474)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" onclick="toggleNextSibling(this);">1,526</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" onclick="toggleNextSibling(this);">158</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax', window );">Reclassification adjustment for net realized gains on available for sale securities included in net income</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" onclick="toggleNextSibling(this);">(177)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" onclick="toggleNextSibling(this);">(204)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" onclick="toggleNextSibling(this);">(12)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Income tax effect</a></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">60</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">69</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" onclick="toggleNextSibling(this);">4</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss</a></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,027)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(496)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
        <td class="num"><a title="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" onclick="toggleNextSibling(this);">(1,719)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">$ 1,996</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">$ 4,697</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
        <td class="nump"><a title="us-gaap_ComprehensiveIncomeNetOfTax" onclick="toggleNextSibling(this);">$ 3,320</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ComprehensiveIncomeNetOfTax</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=35737396<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e557-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (d)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e689-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (d)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=d3e640-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e,f)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=36458714&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EHUBI">
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">$ 127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities" onclick="toggleNextSibling(this);">$ 141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">U.S. Agency Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">5,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember]" onclick="toggleNextSibling(this);">6,835</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember</span><span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">105,768</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember]" onclick="toggleNextSibling(this);">123,382</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate Bond Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">15,436</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember]" onclick="toggleNextSibling(this);">11,761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Level 1 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Level 2 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">127,110</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">141,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level 3 [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | U.S. Agency Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">5,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">6,835</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">105,768</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">123,382</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Corporate Bond Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">15,436</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">11,761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | U.S. Agency Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | Corporate Bond Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | U.S. Agency Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">5,906</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">6,835</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_USGovernmentAgenciesDebtSecuritiesMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">105,768</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | Corporate Bond Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">15,436</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_AvailableForSaleSecurities[us-gaap_DebtSecurityAxis=us-gaap_CorporateBondSecuritiesMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member;us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember]" onclick="toggleNextSibling(this);">11,761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AvailableForSaleSecurities<br>/ us-gaap_DebtSecurityAxis<br>= us-gaap_CorporateBondSecuritiesMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member<br>/ us-gaap_FairValueByMeasurementFrequencyAxis<br>= us-gaap_FairValueMeasurementsRecurringMember</span><span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member] | U.S. Agency mortgage-backed securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member] | Corporate Bond Securities [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DebtSecurityAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
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    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
      </tr>
      <tr class="re">
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      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">CASH AND DUE FROM DEPOSITORY INSTITUTIONS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table cellpadding="0" cellspacing="0" style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; margin-top: 0px; margin-bottom: 0px; width: 100%;">

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<td style="width: 0.2in; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">2.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-size: 10pt;">CASH AND DUE FROM DEPOSITORY INSTITUTIONS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify;"><font style="font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 14.2pt;"><font style="font-size: 10pt;">Included in &#147;Cash and due from depository institutions&#148; are required federal reserves of $<font>2,000</font> and $<font>61,000</font> at December 31, 2014 and 2013, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.</font></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 6.H.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13728-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section H<br><br> -Subsection 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E3AAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>BUSINESS AND NATURE OF OPERATIONS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfStores', window );">Number of locations</a></td>
        <td class="nump"><a title="us-gaap_NumberOfStores" onclick="toggleNextSibling(this);">17</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NumberOfStores</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NumberOfCountiesInWhichEntityOperates', window );">Number of counties</a></td>
        <td class="nump"><a title="asrv_NumberOfCountiesInWhichEntityOperates" onclick="toggleNextSibling(this);">5</a><span style="display:none;white-space:normal;text-align:left;">asrv_NumberOfCountiesInWhichEntityOperates</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsHeldInTrust', window );">Trust and financial services and administers assets</a></td>
        <td class="nump"><a title="us-gaap_AssetsHeldInTrust" onclick="toggleNextSibling(this);">$ 1,800,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AssetsHeldInTrust</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract', window );"><strong>FEDERAL HOME LOAN BANK STOCK:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankStockParValue', window );">Par value</a></td>
        <td class="nump"><a title="asrv_FederalHomeLoanBankStockParValue" onclick="toggleNextSibling(this);">$ 100</a><span style="display:none;white-space:normal;text-align:left;">asrv_FederalHomeLoanBankStockParValue</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>LOANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable', window );">Threshold for discontinuing accrual of interest income</a></td>
        <td class="text">90 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Shares not included in computation of earnings per common share</a></td>
        <td class="nump"><a title="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" onclick="toggleNextSibling(this);">3,625</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</span><span></span></td>
        <td class="nump"><a title="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" onclick="toggleNextSibling(this);">103,570</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</span><span></span></td>
        <td class="nump"><a title="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" onclick="toggleNextSibling(this);">49,842</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.36</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.25</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" onclick="toggleNextSibling(this);">$ 2.29</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK-BASED COMPENSATION:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">42,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">82,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_AllocatedShareBasedCompensationExpense" onclick="toggleNextSibling(this);">38,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_AllocatedShareBasedCompensationExpense</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>CONSOLIDATED STATEMENT OF CASH FLOWS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income tax payments</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxesPaid" onclick="toggleNextSibling(this);">1,063,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxesPaid</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxesPaid" onclick="toggleNextSibling(this);">137,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxesPaid</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxesPaid" onclick="toggleNextSibling(this);">142,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxesPaid</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Non-cash transfers to other real estate owned</a></td>
        <td class="nump"><a title="us-gaap_TransferOfOtherRealEstate" onclick="toggleNextSibling(this);">660,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TransferOfOtherRealEstate</span><span></span></td>
        <td class="nump"><a title="us-gaap_TransferOfOtherRealEstate" onclick="toggleNextSibling(this);">766,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TransferOfOtherRealEstate</span><span></span></td>
        <td class="nump"><a title="us-gaap_TransferOfOtherRealEstate" onclick="toggleNextSibling(this);">1,266,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_TransferOfOtherRealEstate</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Total interest payments</a></td>
        <td class="nump"><a title="us-gaap_InterestPaid" onclick="toggleNextSibling(this);">6,475,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestPaid</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestPaid" onclick="toggleNextSibling(this);">6,781,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestPaid</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestPaid" onclick="toggleNextSibling(this);">8,154,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestPaid</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">$ 4.60</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">$ 3.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">$ 2.80</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">$ 5.22</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">$ 5.75</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice[us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">$ 5.75</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember]" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialPortfolioSegmentMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_SmallBusinessLoansMember', window );">Small Business Loans [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment', window );">Threshold for collectively evaluating loans</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_SmallBusinessLoansMember]" onclick="toggleNextSibling(this);">$ 250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= asrv_SmallBusinessLoansMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember', window );">Buildings [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">30 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember', window );">Equipment [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FederalHomeLoanBankStockParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The par value of Federal Home Loan Bank Stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FederalHomeLoanBankStockParValue</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Collectively Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NumberOfCountiesInWhichEntityOperates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of counties in which the entity operates as of balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_NumberOfCountiesInWhichEntityOperates</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AllocatedShareBasedCompensationExpense</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Antidilution<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Diluted Earnings Per Share<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Contingent Stock Agreement<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsHeldInTrust">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of cash and securities held by third party trustees pursuant to terms of debt instruments or other agreements as of the date of each statement of financial position presented, which can be used by the trustee only to pay the noncurrent portion of specified obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AssetsHeldInTrust</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxesPaid</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestPaid</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfStores">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the number of stores.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NumberOfStores</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SupplementalCashFlowInformationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_SupplementalCashFlowInformationAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value transferred out of real estate owned (REO) in noncash transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_TransferOfOtherRealEstate</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_SmallBusinessLoansMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=asrv_SmallBusinessLoansMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_EquipmentMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EMOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Interest Expense on Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand', window );">Interest bearing demand</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" onclick="toggleNextSibling(this);">$ 191</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" onclick="toggleNextSibling(this);">$ 138</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" onclick="toggleNextSibling(this);">$ 116</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings', window );">Savings</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" onclick="toggleNextSibling(this);">144</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" onclick="toggleNextSibling(this);">139</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" onclick="toggleNextSibling(this);">181</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket', window );">Money market</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" onclick="toggleNextSibling(this);">761</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" onclick="toggleNextSibling(this);">736</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" onclick="toggleNextSibling(this);">895</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump"><a title="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" onclick="toggleNextSibling(this);">268</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore</span><span></span></td>
        <td class="nump"><a title="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" onclick="toggleNextSibling(this);">289</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore</span><span></span></td>
        <td class="nump"><a title="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" onclick="toggleNextSibling(this);">435</a><span style="display:none;white-space:normal;text-align:left;">asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit', window );">Other time</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" onclick="toggleNextSibling(this);">3,525</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" onclick="toggleNextSibling(this);">3,862</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" onclick="toggleNextSibling(this);">4,875</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Total interest expense</a></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">$ 4,889</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">$ 5,164</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpenseDeposits" onclick="toggleNextSibling(this);">$ 6,502</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpenseDeposits</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest Expense, Domestic Deposit Liabilities, Time Deposits $100,000 Or More.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDeposits</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic demand deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic money market demand account deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
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            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic time deposit liabilities other than certificates of liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic savings deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0E5KAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" onclick="toggleNextSibling(this);">$ 27,367</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" onclick="toggleNextSibling(this);">$ 26,288</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" onclick="toggleNextSibling(this);">$ 21,368</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Cash and Cash Equivalents [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CashAndCashEquivalentsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">639</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CashAndCashEquivalentsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">2,753</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_EquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">2,741</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_EquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Mutual Funds/ETFs [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">21,782</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_ExchangeTradedFundsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_ExchangeTradedFundsMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">20,744</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_ExchangeTradedFundsMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">International Equity Securities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=asrv_InternationalEquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">851</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= asrv_InternationalEquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=asrv_InternationalEquitySecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member]" onclick="toggleNextSibling(this);">1,478</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= asrv_InternationalEquitySecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel1Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CorporateDebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">$ 1,342</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CorporateDebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets[us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_CorporateDebtSecuritiesMember;us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember;us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member]" onclick="toggleNextSibling(this);">$ 1,325</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets<br>/ us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis<br>= us-gaap_CorporateDebtSecuritiesMember<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember<br>/ us-gaap_FairValueByFairValueHierarchyLevelAxis<br>= us-gaap_FairValueInputsLevel2Member</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EPEBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 989,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment" onclick="toggleNextSibling(this);">$ 3,066,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance" onclick="toggleNextSibling(this);">520,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance" onclick="toggleNextSibling(this);">813,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" onclick="toggleNextSibling(this);">1,069,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" onclick="toggleNextSibling(this);">3,179,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">989,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,005,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,069,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">3,118,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">61,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">61,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember', window );">Impaired Loans with Specific Allowance [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">989,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">3,066,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance[asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">520,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance[asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">813,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember', window );">Impaired Loans with Specific Allowance [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">989,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">3,005,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">520,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">812,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember', window );">Impaired Loans with Specific Allowance [Member] | Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRecordedInvestment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">61,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRecordedInvestment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ImpairedFinancingReceivableRelatedAllowance[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember;asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithSpecificAllowanceMember]" onclick="toggleNextSibling(this);">1,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ImpairedFinancingReceivableRelatedAllowance<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember<br>/ asrv_ImpairedLoansAxis<br>= asrv_ImpairedLoansWithSpecificAllowanceMember</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithNoSpecificAllowanceMember', window );">Impaired Loans with No Specific Allowance [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithNoSpecificAllowanceMember', window );">Impaired Loans with No Specific Allowance [Member] | Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ImpairedLoansAxis=asrv_ImpairedLoansWithNoSpecificAllowanceMember', window );">Impaired Loans with No Specific Allowance [Member] | Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953550-111524<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td>xbrli:monetaryItemType</td>
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                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
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      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PartnersCapitalComprehensiveIncomeAbstract', window );"><strong>ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">ACCUMULATED OTHER COMPREHENSIVE LOSS</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
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<td style="width: 16.6pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">19.</font></strong></td>
<td style="text-align: justify; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">ACCUMULATED OTHER COMPREHENSIVE LOSS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: -16.6pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt; margin-bottom: 0pt; margin-top: 0pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the periods ending December 31, 2014 and 2013 (in thousands):</font></p>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td nowrap="nowrap" style="text-align: center; padding: 0px; width: 20px; border-bottom-width: 1pt !important; border-bottom-style: solid !important; border-bottom-color: #000000 !important;" colspan="10"><font style="font-size: 8pt;"><font style="font-family: 'times new roman', times;"><strong>YEAR ENDING DECEMBER&#160;31, 2014</strong></font><font style="font-family: 'times new roman', times;"></font></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px; width: 20px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
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<p style="margin: 0px;"><font style="font-size: 8pt;"><strong>YEAR ENDING DECEMBER&#160;31, 2013</strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Net <br/>Unrealized <br/>Gains and <br/>Losses on<br/>Investment <br/>Securities AFS (1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Defined&#160;<br/>Benefit<br/> Pension&#160;<br/>Items (1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td colspan="2" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>Total(1)</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Net&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Unrealized&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Gains and&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Losses on&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Investment&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Securities&#160;</font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">AFS (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Defined&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Benefit</font></strong></font><br/><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> Pension&#160;<br/></font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Items (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Total(1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; width: 34%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Beginning balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,043</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,918</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(5,875</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>4,141</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 8%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(9,520</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 6%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,379</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Other&#160;comprehensive&#160;income&#160;(loss)&#160;before&#160;reclassifications</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>917</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(2,354</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,437</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(2,963</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,161</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amounts&#160;reclassified&#160;from&#160;accumulated&#160;other&#160;comprehensive&#160;loss</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(117</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>527</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>410</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(135</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>441</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>306</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 9.35pt; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net&#160;current&#160;period&#160;other&#160;comprehensive&#160;income&#160;(loss)</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>800</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,827</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(1,027</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(3,098</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,602</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(496</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Ending balance</font></td>
<td style="font-family: 'times new roman'; padding: 0px; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,843</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(8,745</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(6,902</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,043</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(6,918</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; border-bottom-color: rgb(0, 0, 0) !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(5,875</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; background-color: rgb(255, 255, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<table width="100%" cellpadding="0" border="0" cellspacing="0">

<tr>
<td style="width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">(1) </font></td>
<td style="width: 1%;"></td>
<td style="width: 98%;">
<div><font style="font-size: 10pt;"><font style="font-size: 10pt;">Amounts in parentheses indicate debits on the Consolidated Balance Sheets.<br/></font></font></div>
</td>
</tr>

</table>
</div>

<div>
<div style="display: block;">
<p style="font: 10pt Times New Roman, Times, Serif; /* margin: 0pt 0 0pt 0.5in; */ text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2014 and 2013 (in thousands):</font></p>
<div class="CursorPointer"><br/></div>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 92%; /* margin-left: 0.5in;">

<tr style="vertical-align: bottom;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="6" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Amount reclassified from accumulated<br/> other comprehensive loss (1)</font></strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; font-size: 8pt; padding: 0px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: justify; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Details about accumulated other <br/>comprehensive loss components</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><b>YEAR ENDING DECEMBER&#160;31,<br/> 2014</b></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td colspan="2" nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">YEAR ENDING DECEMBER 31,<br/> 2013</font></strong></font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td nowrap="nowrap" style="font-weight: normal; font-style: normal; text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Affected line item in the statement<br/> of operations</font></strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;"> </font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;" colspan="2"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: justify; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Unrealized gains and losses on sale of securities</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: justify; font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 39%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(177</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 12%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(204</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 30%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net realized gains on investment &#160;securities</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>60</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>69</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Provision for income taxes</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(117</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 2.80pt double !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(135</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net of tax</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Amortization of defined benefit items (2)</font></td>
<td style="font-size: 8pt; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Recognized net actuarial loss</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>813</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>683</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Prior service cost</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>(14</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>)</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(10</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; text-indent: 10px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Transition asset</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px 5px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom: #000000 1pt solid !important; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>(4</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">)</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Salaries and employee benefits</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>799</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; font-size: 8pt; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-size: 8pt; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Pretax income</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
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<td style="font-family: 'times new roman'; font-size: 8pt; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px; background-color: rgb(204, 238, 255);"><font style="font-family: 'times new roman', times; font-size: 10pt;">Net income</font></td>
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<div><font style="font-size: 10pt;"><font style="font-size: 10pt;">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).<br/></font></font></div>
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                <p>The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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    <Log type="Info">Columns in Cash Flows statement 'CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)' have maximum duration 365 days and at least 45 values. Shorter duration columns must have at least one fourth (11) as many values. Column '7/1/2013 - 9/30/2013' is shorter (91 days) and has only 1 values, so it is being removed.</Log>
    <Log type="Info">Columns in Cash Flows statement 'CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)' have maximum duration 365 days and at least 45 values. Shorter duration columns must have at least one fourth (11) as many values. Column '10/1/2013 - 12/31/2013' is shorter (91 days) and has only 3 values, so it is being removed.</Log>
    <Log type="Info">Columns in Cash Flows statement 'CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)' have maximum duration 365 days and at least 45 values. Shorter duration columns must have at least one fourth (11) as many values. Column '1/1/2014 - 3/31/2014' is shorter (89 days) and has only 2 values, so it is being removed.</Log>
    <Log type="Info">Columns in Cash Flows statement 'CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)' have maximum duration 365 days and at least 45 values. Shorter duration columns must have at least one fourth (11) as many values. Column '4/1/2014 - 6/30/2014' is shorter (90 days) and has only 1 values, so it is being removed.</Log>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EYRAE">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
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          <div>Sep. 30, 2014</div>
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        <th class="th">
          <div>Dec. 31, 2014</div>
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        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 11,944,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill" onclick="toggleNextSibling(this);">$ 12,613,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill</span><span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment charge</a></td>
        <td class="nump"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">669,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_GoodwillImpairmentLoss" onclick="toggleNextSibling(this);">669,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_GoodwillImpairmentLoss</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=asrv_WestChesterCapitalAdvisorsMember', window );">West Chester Capital Advisors [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill[us-gaap_BusinessAcquisitionAxis=asrv_WestChesterCapitalAdvisorsMember]" onclick="toggleNextSibling(this);">2,400,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill<br>/ us-gaap_BusinessAcquisitionAxis<br>= asrv_WestChesterCapitalAdvisorsMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember', window );">Retail Banking [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_Goodwill[us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember]" onclick="toggleNextSibling(this);">$ 9,500,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_Goodwill<br>/ us-gaap_StatementBusinessSegmentsAxis<br>= asrv_RetailBankingMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_Goodwill</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13854-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35741047&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_GoodwillLineItems</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=asrv_WestChesterCapitalAdvisorsMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=asrv_WestChesterCapitalAdvisorsMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=asrv_RetailBankingMember</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td></td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td></td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <title></title>
    <link rel="stylesheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EV3BG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,344</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,019</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,983</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,095</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 10,203</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,811</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,627</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 9,702</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 40,441</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 39,343</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestAndDividendIncomeOperating" onclick="toggleNextSibling(this);">$ 39,917</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestAndDividendIncomeOperating</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,612</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,616</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,599</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,570</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,605</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,611</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,606</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">1,660</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,397</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">6,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestExpense" onclick="toggleNextSibling(this);">7,714</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestExpense</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,732</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,403</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,384</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,525</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,200</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,021</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">8,042</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">34,044</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">32,861</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseNet" onclick="toggleNextSibling(this);">32,203</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseNet</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">150</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(250)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">375</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(1,100)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(775)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after Provision (credit) for Loan Losses</a></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,357</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,403</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,384</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,525</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">9,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,200</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">7,871</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">8,292</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">33,669</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">33,961</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" onclick="toggleNextSibling(this);">32,978</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,560</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,593</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,638</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,532</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,867</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,986</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">4,075</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">3,816</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,323</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">15,744</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestIncome" onclick="toggleNextSibling(this);">14,943</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestIncome</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,770</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">11,243</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,620</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,738</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,746</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,413</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,442</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">10,622</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">43,371</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">42,223</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
        <td class="nump"><a title="us-gaap_NoninterestExpense" onclick="toggleNextSibling(this);">40,641</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NoninterestExpense</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,147</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">753</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,402</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,319</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">2,719</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,773</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,504</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">1,486</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">4,621</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,482</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" onclick="toggleNextSibling(this);">7,280</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes</a></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">398</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">388</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">423</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">389</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">878</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">547</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">434</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">430</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">1,598</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,289</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
        <td class="nump"><a title="us-gaap_IncomeTaxExpenseBenefit" onclick="toggleNextSibling(this);">2,241</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_IncomeTaxExpenseBenefit</span><span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 749</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 365</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 979</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 930</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,841</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,226</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,070</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 1,056</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 3,023</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,193</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
        <td class="nump"><a title="us-gaap_NetIncomeLoss" onclick="toggleNextSibling(this);">$ 5,039</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_NetIncomeLoss</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.02</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.10</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.06</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareBasic" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareBasic</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.02</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.09</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.06</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.05</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.15</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.26</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
        <td class="nump"><a title="us-gaap_EarningsPerShareDiluted" onclick="toggleNextSibling(this);">$ 0.21</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_EarningsPerShareDiluted</span><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared</a></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.01</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.00</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.04</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.03</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
        <td class="nump"><a title="us-gaap_CommonStockDividendsPerShareDeclared" onclick="toggleNextSibling(this);">$ 0.00</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_CommonStockDividendsPerShareDeclared</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareDeclared</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                    <td>xbrli:monetaryItemType</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>debit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure', window );">Individual loan balance is classified as nonaccrual status or troubled debt restructure</a></td>
        <td class="nump"><a title="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" onclick="toggleNextSibling(this);">$ 100,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" onclick="toggleNextSibling(this);">$ 100,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoansPastDueAsToMaturity', window );">Loans past due as to maturity, days</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">90 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(375,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">1,000,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(150,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">(375,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">1,100,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses" onclick="toggleNextSibling(this);">775,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">1,000,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember]" onclick="toggleNextSibling(this);">1,000,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_PassMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember]" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_SpecialMentionMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">100,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews[us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember]" onclick="toggleNextSibling(this);">100,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews<br>/ us-gaap_InternalCreditAssessmentAxis<br>= us-gaap_DoubtfulMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(449,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(218,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">(438,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember]" onclick="toggleNextSibling(this);">250,000</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Minimum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed', window );">Minimum percent of portfolio to be reviewed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_RangeAxis=us-gaap_MinimumMember]" onclick="toggleNextSibling(this);">50.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MinimumMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember', window );">Commercial [Member] | Maximum [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed', window );">Minimum percent of portfolio to be reviewed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember;us-gaap_RangeAxis=us-gaap_MaximumMember]" onclick="toggleNextSibling(this);">55.00%</a><span style="display:none;white-space:normal;text-align:left;">asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialLoanMember<br>/ us-gaap_RangeAxis<br>= us-gaap_MaximumMember</span><span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember', window );">Commercial loans secured by real estate [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">506,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,615,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember]" onclick="toggleNextSibling(this);">1,053,000</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_CommercialRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember', window );">Real estate-mortgage [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(301,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(8,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember]" onclick="toggleNextSibling(this);">(365,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_MortgageLoansOnRealEstateMember</span><span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember', window );">Consumer [Member]</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ (151,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ (70,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
        <td class="num"><a title="us-gaap_ProvisionForLoanLeaseAndOtherLosses[us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember]" onclick="toggleNextSibling(this);">$ (129,000)</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_ProvisionForLoanLeaseAndOtherLosses<br>/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis<br>= us-gaap_ConsumerLoanMember</span><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Minimum Percent Required To Be Reviewed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Threshold Balance Which Requires Quarterly Reviews.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Individual loan balance is classified as nonaccrual status or troubled debt restructure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LoansPastDueAsToMaturity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans past due as to maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_LoansPastDueAsToMaturity</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ProvisionForLoanLeaseAndOtherLosses</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember</td>
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                    <td></td>
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                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember</td>
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                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember</td>
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                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_MortgageLoansOnRealEstateMember</td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EHFAC">
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          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
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<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2013 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-<br/>OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
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</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2014 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
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<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>2,844</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(172</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>141</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>449</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>4,885</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(708</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>231</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(506</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,902</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,260</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(322</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>71</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>301</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(121</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>24</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>151</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>979</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(20</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>10,104</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>(1,323</font></strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>)</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>467</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>375</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,623</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2012 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-<br/>OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> PROVISION<br/>(CREDIT) </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2013 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,596</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(50</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>80</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>218</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,796</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,777</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>481</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,615</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,885</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,269</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(139</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>122</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>150</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(154</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>70</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>136</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>760</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>219</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,571</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(2,120</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>753</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,100</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,104</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.75in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT<br/>DECEMBER 31, 2011 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> CHARGE-</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">OFFS </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; RECOVERIES </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> PROVISION</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">(CREDIT) </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> BALANCE AT</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">DECEMBER 31, 2012 </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,365</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(345</font></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>138</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>438</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,596</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,400</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(796</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>245</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,053</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,796</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,270</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(420</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>54</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>365</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,269</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>174</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>(200</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>47</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>129</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>150</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Allocation for general risk</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,414</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(654</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>760</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>14,623</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(1,761</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>484</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>(775</font></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>12,571</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.25in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock', window );">Summary of Primary Segments of Loan Portfolio</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div style="display: block;">
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>(IN THOUSANDS)</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Loans:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>COMMERCIAL</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>COMMERCIAL </b><br/> <b>LOANS </b><br/> <b>SECURED BY </b><br/> <b>REAL ESTATE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; text-align: center; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>REAL <br/> ESTATE-</b><br/> <b>MORTGAGE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>CONSUMER </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; text-align: center;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong>TOTAL</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; text-align: center;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Individually&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Collectively&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>409,340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>826,091</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total loans</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
</div>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>AT DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><font style="font-size: 10pt;"><strong>(IN THOUSANDS)</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Allowance for loan losses:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>COMMERCIAL</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>COMMERCIAL</b><br/> <b>LOANS</b><br/> <b>SECURED BY</b><br/> <b>REAL ESTATE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>REAL</b><br/> <b>ESTATE-</b><br/> <b>MORTGAGE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>CONSUMER </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>ALLOCATION </b><br/> <b>FOR GENERAL </b><br/> <b>RISK</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; &#160; <strong>TOTAL </strong></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Specific reserve allocation</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">General reserve allocation</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,382</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,103</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total&#160;allowance&#160;for&#160;loan&#160;losses</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,262</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,902</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,310</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>190</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>959</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,623</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div>
<div class="CursorPointer">
<table style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; border-collapse: collapse; width: 100%; margin-left: 0.100000001490116px;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18"><strong><font style="font-size: 10pt;">(IN THOUSANDS)</font></strong></td>
<td style="font-family: 'Times New Roman';"><font style="font-size: 10pt;"> </font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>Loans:</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">COMMERCIAL</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">COMMERCIAL <br/> LOANS <br/> SECURED BY <br/> REAL ESTATE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">REAL ESTATE-<br/> MORTGAGE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; CONSUMER </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; TOTAL </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Individually&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Collectively&#160;evaluated&#160;for&#160;impairment</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>408,686</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,803</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>780,280</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total loans</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="22" nowrap="nowrap"><strong><font style="font-size: 10pt;">AT DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;"> </font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="22" nowrap="nowrap"><strong><font style="font-size: 10pt;">(IN THOUSANDS)</font></strong></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;"> </font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">Allowance for loan losses:</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: justify; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman', Times, serif; margin: 0px; font-stretch: normal; text-align: center;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">COMMERCIAL</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">COMMERCIAL<br/> LOANS <br/> SECURED BY <br/> REAL ESTATE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">REAL <br/> ESTATE-<br/> MORTGAGE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; CONSUMER </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">ALLOCATION <br/> FOR GENERAL<br/> RISK</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; &#160; TOTAL </font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 22%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Specific reserve allocation</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>812</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>813</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">General reserve allocation</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,073</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>135</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>9,291</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total&#160;allowance&#160;for&#160;loan&#160;losses</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,844</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>4,885</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,260</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>136</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>979</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,104</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
</div>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Schedule of Impaired Loans by Class</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><b>DECEMBER 31, 2014</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><b>IMPAIRED LOANS WITH</b></font><br/><font style="font-size: 10pt;"> <b>SPECIFIC ALLOWANCE</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>IMPAIRED</b><br/> <b>LOANS&#160;WITH</b><br/> <b><font>NO</font>&#160;SPECIFIC</b><br/> <b>ALLOWANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><font style="font-size: 10pt;"><b>TOTAL&#160;&#160;IMPAIRED&#160;LOANS</b></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RELATED</b><br/> <b>ALLOWANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><br/><b>RECORDED</b><br/> <b>INVESTMENT</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><b>UNPAID&#160;</b><br/> <b>PRINCIPAL</b><br/> <b>BALANCE</b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"><strong><b></b></strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="font: 10pt/normal 'times new roman'; padding: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;" colspan="18"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,069</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>520</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>989</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,069</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>

<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><strong><font style="font-size: 10pt;">DECEMBER 31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><br/><strong><font style="font-size: 10pt;">IMPAIRED LOANS WITH<br/> SPECIFIC ALLOWANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">IMPAIRED</font></strong><br/><strong><font style="font-size: 10pt;"> LOANS&#160;WITH</font></strong><br/><strong><font style="font-size: 10pt;"> <font>NO</font>&#160;SPECIFIC</font></strong><br/><strong><font style="font-size: 10pt;"> ALLOWANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="6" nowrap="nowrap"><strong><font style="font-size: 10pt;">TOTAL&#160;&#160;IMPAIRED&#160;LOANS</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><br/><strong><font style="font-size: 10pt;">RECORDED </font></strong><br/><strong><font style="font-size: 10pt;">INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RELATED</font></strong><br/><strong><font style="font-size: 10pt;"> ALLOWANCE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RECORDED</font></strong><br/><strong><font style="font-size: 10pt;"> INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">RECORDED</font></strong><br/><strong><font style="font-size: 10pt;"> INVESTMENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">UNPAID&#160;&#160;<br/> PRINCIPAL<br/> BALANCE</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; width: 35%;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>812</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,005</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-size: 10pt;"><font>3,118</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 1%;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>1</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>813</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>-</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,066</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,179</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock', window );">Average Recorded Investment in Impaired Loans and Related Interest Income Recognized</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="10" nowrap="nowrap"><strong><font style="font-size: 10pt;">YEAR ENDED DECEMBER 31,</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2014</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;"> </font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">2012</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Average impaired balance:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="10"></td>
<td style="font-family: 'Times New Roman';"></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; width: 61%; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>13</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,756</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,459</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,754</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>37</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Average investment in impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>1,756</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,509</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3,770</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman'; vertical-align: top;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; vertical-align: top;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; vertical-align: top; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Interest income recognized:</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: right; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>11</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>3</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; text-indent: 10px; font-family: 'times new roman';"><font style="font-size: 10pt;">Interest income recognized on a cash basis on impaired loans</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>12</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>14</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.5in; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Loan Portfolio Summarized by Categories</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;"><strong>DECEMBER 31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong>PASS</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>SPECIAL<br/> MENTION</b></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>SUBSTANDARD </strong></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><strong><strong>&#160;</strong></strong></font></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong>&#160;DOUBTFUL</strong></strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"> &#160; <strong>TOTAL </strong></font></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b></b></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"><font style="font-size: 10pt;"><strong></strong></font></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"><strong></strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"></font><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>132,665</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>161</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>6,164</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>136</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>406,195</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>620</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>3,238</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>276</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>538,860</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>781</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>9,402</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>412</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>549,455</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: -11.45pt; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">DECEMBER&#160;31, 2013</font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><strong><font style="font-size: 10pt;">PASS</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> SPECIAL<br/>MENTION </font></strong></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; SUBSTANDARD </font></strong></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px 5px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="font: 10pt/normal 'Times New Roman'; padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; font-size-adjust: none; font-stretch: normal;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;DOUBTFUL</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> &#160; TOTAL </font></strong></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; width: 20px;" nowrap="nowrap" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px 5px; text-align: center; white-space: nowrap; font-stretch: normal; width: 20px;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'Times New Roman'; padding: 0px; text-align: center; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px; text-align: center; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"></font></strong><br/></p>
</td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;" nowrap="nowrap"><strong><font style="font-size: 10pt;"></font></strong></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman';" colspan="18" nowrap="nowrap"><font style="font-size: 10pt;">(IN THOUSANDS)</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; white-space: nowrap;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 35%; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>108,623</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>8,880</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>2,599</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial loans secured by real estate</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>396,788</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>6,961</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>7,482</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>460</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>505,411</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,841</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>10,081</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>460</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>531,793</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock', window );">Performing and Non-performing Outstanding Balances</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<div style="display: block;">
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;"><strong><font style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; float: none; display: inline !important; /* background-color: #fffff0;">DECEMBER</font>&#160;31, 2014</strong></font><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><font style="font-size: 10pt;"></font><font style="font-size: 10pt;"><strong><font>PERFORMING</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><font style="font-size: 10pt;"><strong><font>NON-<br/>PERFORMING</font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; width: 20px;"></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; width: 20px;"></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; width: 20px;" colspan="2"><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"><strong><font></font></strong></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 74%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>257,199</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>276,208</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,417</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 0.2in; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="6"><strong><font style="font-size: 10pt;">December 31, 2013</font></strong><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;">PERFORMING</font><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;">NON-<br/>PERFORMING</font><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman';"></td>
<td style="padding: 0px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; white-space: nowrap;"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="2"><strong><font style="font-size: 10pt;"></font></strong></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: left; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman';"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap;" colspan="6"><font style="font-size: 10pt;"><font>(IN THOUSANDS)</font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 74%; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; background-color: #cceeff;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>234,450</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 10%; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,239</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman';"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;"><font>15,803</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;"><font style="font-size: 10pt;"><font>61</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>250,253</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,300</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
</div>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; text-indent: 19pt; font-size-adjust: none; font-stretch: normal;"><br/></p>
</div>
</div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Categories of Loan Portfolio by Aging Categories</a></td>
        <td class="text"><div id='EdgarSAA123457890000' style="font-family : 'Times New Roman';">
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong style="color: #000000; font-family: 'times new roman'; font-size: 13.3333330154419px; font-style: normal; font-variant: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: center; text-indent: 0px; text-transform: none; white-space: nowrap; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; /* background-color: #fffff0;">DECEMBER</strong>&#160;31, 2014</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b> </b></font><br/><font style="font-size: 10pt;"><b> </b> </font><br/><font style="font-size: 10pt;"><b>CURRENT</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>30-59</b><br/> <b>DAYS</b><br/> <b>PAST DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>60-89 </b><br/> <b>DAYS </b><br/> <b>PAST DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>90 DAYS </b><br/> <b>PAST&#160;DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><font style="font-size: 10pt;"><strong><strong><br/></strong></strong></font>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>TOTAL</b><br/> <b>PAST&#160;DUE</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>&#160;</b></font></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>TOTAL</b><br/> <b>LOANS</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;"><b>90 DAYS</b><br/> <b>PAST DUE</b><br/> <b>AND&#160;STILL</b><br/> <b>ACCRUING</b></font></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="26"><font style="font-size: 10pt;">(IN THOUSANDS)</font><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>139,126</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,049</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>280</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>280</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>410,329</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>255,021</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>2,196</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>332</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,067</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>3,595</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>258,616</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>18,927</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>74</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>8</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>82</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>19,009</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>823,123</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>2,550</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>340</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>1,067</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>3,957</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>827,080</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>$</strong></font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><strong><font>&#151;</font></strong></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
<table style="font: 10pt/normal 'times new roman', times, serif; width: 100%; border-collapse: collapse; font-size-adjust: none; font-stretch: normal;" cellspacing="0" cellpadding="0">

<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="26" nowrap="nowrap"><strong><font style="font-size: 10pt;">DECEMBER&#160;31, 2013</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;"><strong> </strong></font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; text-align: center; font-family: 'Times New Roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;"> </font></strong><br/><strong><font style="font-size: 10pt;">CURRENT</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">30-59<br/> DAYS<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap"><br/>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">60-89 <br/> DAYS <br/> PAST DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">90 DAYS<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">TOTAL<br/> PAST&#160;DUE</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">&#160;</font></strong></p>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">TOTAL<br/> LOANS</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><strong><font style="font-size: 10pt;">&#160;</font></strong></td>
<td style="padding: 0px; text-align: center; font-family: 'times new roman'; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important;" colspan="2" nowrap="nowrap">
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: center; font-size-adjust: none; font-stretch: normal;"><strong><font style="font-size: 10pt;">90 DAYS <br/> PAST DUE<br/> AND&#160;STILL<br/> ACCRUING</font></strong></p>
</td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;" nowrap="nowrap"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; width: 20px; text-align: justify; font-family: 'times new roman';"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; font-family: 'times new roman'; font-size: 8pt;"></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px; width: 20px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 5px; width: 20px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
<td style="padding: 0px 10px 0px 0px; width: 20px; text-align: center; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;" colspan="22"><font style="font-size: 10pt;"><font>(IN THOUSANDS)</font></font><font style="font-size: 10pt;"><font></font></font></td>
<td style="padding: 0px 5px; width: 20px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;"></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; width: 37%; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Commercial</font></td>
<td style="padding: 0px; width: 1%; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>120,102</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; width: 1%; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; width: 6%; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; width: 1%; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Commercial&#160;loans&#160;secured&#160;by&#160;real&#160;estate</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>410,619</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>457</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>615</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>1,072</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>411,691</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Real estate- mortgage</font></td>
<td style="font-family: 'Times New Roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>231,740</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,232</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>670</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,047</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>3,949</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>235,689</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="padding: 0px; text-align: justify; font-family: 'times new roman'; text-indent: 10px;"><font style="font-size: 10pt;">Consumer</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,804</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>33</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>27</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>60</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>15,864</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; border-bottom-color: #000000 !important; border-bottom-width: 1pt !important; border-bottom-style: solid !important; white-space: nowrap;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="padding: 0px; text-align: left; font-family: 'times new roman'; text-indent: 10px; background-color: #cceeff;"><font style="font-size: 10pt;">Total</font></td>
<td style="padding: 0px; font-family: 'times new roman'; font-size: 8pt; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>778,265</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>2,722</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>697</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>1,662</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>5,081</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>783,346</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 5px; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
<td style="padding: 0px 10px 0px 0px; text-align: left; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;">$</font></td>
<td style="padding: 0px; text-align: right; font-family: 'times new roman'; font-size: 8pt; vertical-align: bottom; white-space: nowrap; border-bottom-color: #000000 !important; border-bottom-width: 2.8pt !important; border-bottom-style: double !important; background-color: #cceeff;"><font style="font-size: 10pt;"><font>&#151;</font></font></td>
<td style="padding: 0px 5px; text-align: left; font-family: 'times new roman'; font-size: 8pt; white-space: nowrap; background-color: #cceeff;"><font style="font-size: 10pt;">&#160;</font></td>
</tr>

</table>
<p style="font: 10pt/normal Times New Roman, Times, Serif; margin: 0px; text-align: justify; font-size-adjust: none; font-stretch: normal;"><font style="font-size: 10pt;">&#160;</font></p>
</div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of average recorded investment in impaired loans and related interest income recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of financing receivable performing and nonperforming.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of primary segments of the loan portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Period Type:</strong></td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953659-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953803-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</td>
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                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivablesTableTextBlock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PastDueFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35738203&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td style="white-space:nowrap;">us-gaap_PastDueFinancingReceivablesTableTextBlock</td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2014</div>
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        <td class="text">&#xA0;<span></span></td>
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<td style="width: 18pt; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">12.</font></strong></td>
<td style="text-align: left; font-family: 'times new roman';"><strong><font style="font-family: 'times new roman', times; font-size: 10pt;">DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</font></strong></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company's financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Fair values have been determined by the Company using independent third party valuations that uses<b> </b>best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2014 and 2013, were as follows:</font></p>

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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong> </strong></font></td>
<td colspan="18" nowrap="nowrap" style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong>At December 31, 2014</strong></font></td>
<td nowrap="nowrap" style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 8pt;"><strong> </strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Carrying<br/> Value</font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; Fair Value </font></strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; (Level 1) </font></strong></font></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; (Level 2) </font></strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"> &#160; (Level 3) </font></strong></font></p>
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<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
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<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
</td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2">
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center;"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font><br/></p>
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<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
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<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="8"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>32,872</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities - AFS</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>127,110</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>127,110</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities &#150; HTM</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>19,840</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>20,213</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>17,241</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>2,972</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Regulatory stock</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>6,173</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans held for sale</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,051</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>5,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans, net of allowance for loan loss and unearned income</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>817,457</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>819,935</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>819,935</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest income receivable</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>3,127</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Bank owned life insurance</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>37,417</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with no stated maturities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>568,625</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>$</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with stated maturities</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>301,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>304,744</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>304,744</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term borrowings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>38,880</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">All other borrowings</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>55,085</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>59,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>59,256</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest payable</font></td>
<td style="font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>1,706</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong><font>-</font></strong></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><strong>&#160;</strong></font></td>
</tr>

</table>
</div>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<div class="CursorPointer">
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font-style: normal; font-variant: normal; font-weight: normal; font-stretch: normal; font-size: 10pt; line-height: normal; font-family: 'times new roman', times, serif; width: 100%;">

<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">At December 31, 2013</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Carrying &#160;</font></strong></font><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Value</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">Fair Value</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 1)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 2)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">&#160;</font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; border-bottom: #000000 1pt solid !important; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;">(Level 3)</font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; border-top-width: 1pt !important; border-top-style: solid !important; border-top-color: #000000 !important;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="text-align: center; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap" colspan="2"><font style="font-size: 8pt;"><strong><font style="font-family: 'times new roman', times;"></font></strong></font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 20px;" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;"></font></td>
</tr>
<tr style="vertical-align: bottom;">
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"></td>
<td style="text-align: center; font-family: 'times new roman'; padding: 0px;" colspan="2" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px;" colspan="18" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 8pt;">(IN THOUSANDS)</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap" colspan="7"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font><font style="font-family: 'times new roman', times; font-size: 10pt;"></font></td>
<td style="font-family: 'Times New Roman';" nowrap="nowrap"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL ASSETS:</font></td>
<td style="font-family: 'Times New Roman';"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; width: 35%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Cash and cash equivalents</font></td>
<td style="font-family: 'times new roman'; padding: 0px; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>30,066</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 10px 0px 0px; vertical-align: bottom; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap; width: 10%;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px 5px; white-space: nowrap; width: 1%;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities - AFS</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">141,978</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>141,978</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>141,978</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Investment securities &#150; HTM</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>18,187</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>17,788</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>14,822</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,966</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Regulatory stock</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>6,802</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans held for sale</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,402</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,453</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>3,453</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Loans, net of allowance for loan loss and unearned income</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>773,242</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>771,460</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>771,460</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest income receivable</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>2,908</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Bank owned life insurance</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>36,669</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px; vertical-align: top;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="vertical-align: top; text-align: left; white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: top; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">FINANCIAL LIABILITIES:</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with no stated maturities</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>546,384</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; padding-right: 10px; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;">$</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Deposits with stated maturities</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>308,138</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,272</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>313,272</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: white;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Short-term borrowings</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>41,555</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
</tr>
<tr style="vertical-align: bottom; background-color: #cceeff;">
<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">All other borrowings</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>38,085</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>40,598</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<td style="text-align: left; text-indent: 0px; font-family: 'times new roman'; padding: 0px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Accrued interest payable</font></td>
<td style="font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>1,784</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="white-space: nowrap; padding-right: 5px; padding-left: 5px; font-family: 'Times New Roman';"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
<td style="text-align: right; font-family: 'times new roman'; padding: 0px; vertical-align: bottom; white-space: nowrap;"><font style="font-family: 'times new roman', times; font-size: 10pt;"><font>-</font></font></td>
<td style="text-align: left; font-family: 'times new roman'; padding: 0px; white-space: nowrap; padding-right: 5px; padding-left: 5px;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160; &#160; &#160; &#160; &#160; &#160;&#160;</font>The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current&#160;carrying&#160;value.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 13.5pt;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16.</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">&#160;</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 20pt; text-align: justify; text-indent: 0.2in;"><font style="font-family: 'times new roman', times; font-size: 10pt;">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company's remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.</font></p>
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                <p>The entire disclosure for financial instruments. This disclosure includes, but is not limited to, fair value measurements of short and long term marketable securities, international currencies forward contracts, and auction rate securities. Financial instruments may include hedging and non-hedging currency exchange instruments, derivatives, securitizations and securities available for sale at fair value. Also included are investment results, realized and unrealized gains and losses as well as impairments and risk management disclosures.</p>
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  <body><span style="display: none;">v2.4.1.9</span><table class="report" border="0" cellspacing="2" id="ID0EAHAC">
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
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          <div>Dec. 31, 2014</div>
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          <div class="a">Pension Plans, Defined Benefit [Member]</div>
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        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">4.00%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
        <td class="nump"><a title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate[us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis=us-gaap_PensionPlansDefinedBenefitMember]" onclick="toggleNextSibling(this);">4.50%</a><span style="display:none;white-space:normal;text-align:left;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate<br>/ us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis<br>= us-gaap_PensionPlansDefinedBenefitMember</span><span></span></td>
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                <p>The interest rate used to adjust for the time value of money for the plan.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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                <p>Expected rate of compensation increases (for pay-related plans).</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=35743120&amp;loc=d3e1928-114920<br><br><br><br></p>
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                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
